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berries1101
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Make sure everything you do with the CRA's and CA's is sent via CMRR to keep a paper trail. What state are you in? Is the SOL up? They can still attempt to collect the debt but if they sue or file a judgement and SOL is up, then that would be your defense.

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It does not matter whether the debt is reported or not. What matters is if the debt is legit, belongs to you, and is still within the SOL. If all are true then you will need to work to settle in a way that is best for you, not them. Otherwise, you could face a suit. This is why you dispute to protect yourself from being ripped off.

If the debt is timebarred, then you can take a different approach. Remember, even if a debt is timebarred, they can send you a bill for eternity in hopes you will pay. The only thing they can't do is threaten you. Yes, some have sued, but, your defense would be the debt is timebarred.

It is entirely up to you as to how you handle this matter. If you want to pay, then approach this in a way to cause them to settle for less and go away. If you don't want to pay, then ignore their letters, or send them a C&D teling them to go away. But, if the debt is within the SOL, you face their filing on you.

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Yes, I see Remars point as well, if the debt is yours, and is before the 7 year SOL, they may report it again, or eventually sell it to another CA, and then they will report. What is the balance and how old is the debt? You should probably call them up and offer a settlement amount, call near the end of the month for the best settlement, and make sure you get a letter stating the debt is satisfied in full and will not be reported to the CRA, or sold to another lender. Make sure you have the paper trail to prevent a future listing.

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