kcarter609 wrote:Tell them to stop calling you and don't bother with anything. It'll be gone in 2 months.
It will drop off depending on the date of first default, but paying some will change the date of last change so probably don't want to do that.
But yes, you still owe the amount even if it's not on your credit report. Your state's statute of limitations determines how long they have to sue you for the debt, but once that has passed, you still owe it, just that their options to enforce are greatly reduced.