That depends, do you need it off to obtain a better score for a line of credit?. Are you currently looking to get a mortgage, an auto loan?. If the answer is no, I would just let it lie low and wait for it to drop off. It's beyond the Statute of Limitations so you don't have to pay it. Let sleeping dogs lie.
But if you do need it off for lender reasons, then you have major leverage in getting a PFD. But to utilize it you must let them know that you know it is beyond your state's SOL> More than likely they agree to your terms, since legally that can't get a dime out of you, but get it in writing. Very important.
