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About newbie543

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  1. The SOL in Massachusetts is 6 years, so they still have another year to sue if they want to. However, my main concern right now is my credit. If this will disappear from my credit in 2 years (end of 2015), does my credit automatically improve? This is a private school- not state.
  2. In 2007, I went to law school for a year. After 1 year, I decided to withdraw. During the summer of 2008, I got a job, sent a note to the school through some kind of online messaging system and never went back. In September of 2008, I received a tuition bill and called the school upon receiving it. I was told that they never got my message and that I should now send an email so they could have my intent to withdraw on file. So, I sent the the email and was told over the phone that I owed 60% of the tuition since it was now the third week of class. I never paid the bill since I didn't have $6,000 and haven't heard from the school since April of this year. My mom called me and said they sent a bill to their house so I called , explained what had happened 5 years ago to see if they would wipe the debt, but they won't and said that if I don't pay the bill it will be reported to a licensed collection agency. I'm not sure what to do at this point. I don't have $6,000 (I have about $100,000 in student loan debt that I'm currently paying off). If they report this debt to a collections agency- my questions are: 1. If I don't pay it, how long will it be on my credit report? 2. Do you think I have any reason to dispute this debt? I mean, I wasn't a student there anymore and it's not my problem that they're messaging system didn't work. I'm feeling so nervous right now so any advice would be appreciated. Thank you. Not sure if this matters, but I live in Massachusetts.