future wrote:nyc. also i have a cc thats about to fall off of my cr. should i try 2 pay it just let it fall off in 3months
Well that depends. How much is the debt? Have the CA been more aggresive in their attempts to collect? when was the last time you paid on it.
That last questions goes for your original post as well. When was the last time you paid on these debts? Was it well over six or seven years ago? A state's SOL restarts on the last payment you made. So if you made a payment lets say 3 years ago, then NY States SOL starts again from that point. You have to remember that, just because it's not on your credit report doesn't mean that the debt isn't enforcable in court if it's under the States SOL. Just keep that in mind.