@RobertEG wrote:Whether to pay any obligated debt, regardless of time, is a personal decision.
Since it is apparently outside of SOL, you legally no longer have a debt.
As for credit reporting, if anyone does report it to a CRA, based on the dates provided, the CRA will be barred from reporting it in your CR.
The periods are 7 years from any reported delinquency by the OC, and 7 years plus 180 days from date of first delinquency with the OC for any charge-off the OC might report, or for any collection a debt collector might report. Those dates are caste in stone, and cannot be altered.
If a debt collector does contact you with regard to the debt, which is permissible even if the CR exclusion period has expired, you can simply send them a cease further communication letter under FDCPA 805(c), and forget about them.
In summary, if you choose not to pay, the SOL has expired and the CR exclsuion date has expired, so all they can do is to attempt to collect, and you can cut off all communications by simply sending a cease communication letter.
I'm not sure how you can assume such a thing. There are 12 states with SOL's of 10 years or longer depending on the type of debt.
Iowa 10 years for Written
Illinois 10 years for Written and Promissory
Indiana 10 years for Written and Promissory
Kentucky 15 years for Written and Promissory
Louisiana 10 years for Oral, Written and Promissory
Missouri 10 years for Written and Promissory
Ohio 15 years for Written and Promissory
Rhode Island 15 years for Oral and Written, 10 years for Promissory
South Carolina 10 years for Oral and Written
Wisconsin 10 years for Promissory
West Virginia 10 years for Written
Wyoming 10 years for Written and Promissory
Edited in an attempt to format which I am terrible at so never mind! 
It can't be placed on your credit report. Unless it's within SOL and they are threatning suite I wouldn't worry about it unless you have the disposable income to do so.
