They can choose to terminate collection activity at any time.  However, they must report a $0 balance if they will not accept payment.  I would contact them again and request that they either take payment, or delete from your CR.  They of course, don't have too, but worth a shot.  The SOL has nothing to do with the debt termination, it just means they can't take you to court.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
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