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If I call the creditor to settle a debt will it reset the SOL? The debt is five years old.
If successful in settling the debt, then SOL doesn't matter because it is paid. In some states, SOL can be reset if you make a partial payment on a debt, make a written or verbal acknowledgment of the debt, or make a promise to pay on the debt. YMMV on where you live. If you settle, keep it in writing and do the 1-payment plan.
Thank you