Remember when dealing with a CA you need to know the state laws where you live also. They are the ones that a CA must use to get a judgment. and they must file suit. They can not just add a judgement to your report!!!!
The 7 year drop date starts with your first missed payment. A CA can not change that,although they migh try.
In my state Connecticut, a law suit can not be brought by a CA after the (state) SOL. I can use the DOLA in order to get it dumped.