Looks like the Louisiana statute is 3 years. So you are in the power seat for the negotiation if you want to pay them. Any money you pay them at this point is strictly voluntary, so negotiate hard and walk away if they don't meet your terms. They paid less than .03/1.00 for the debt. So they "profit" at anything above that. So offering them a penny/dollar with a full CB deletion and no 1099-C is still more than they would get any other way. Read some of the offer letters here on the site to make sure you don't revalidate the debt etc.
Will do! I really do appreciate all the help
I was young and dumb. Although a natural disaster affected my job, I should have been more responsible in the first place! You live.... You learn.