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I dont think they can do anything now but just bug you!! If through the 8yrs they never sued you , and it fell off your credit report, they are bottom feeders. It cant be put back on your credit report, but they can bug you!
What is your SOL for open credit for the state your currently live in?
It's too old to be on your CR. They can try to collect forever.
You can avoid your heart attack. They can not put this on your credit report since it came off after the 7 years +180 days of your DoFD. They are junk debt buyers. Send them a debt validation letter and be done with them.
On a side note just because it has passed the time limit that It can be reported to the CRA's does not stop them from trying to collect. Debt buyers can try to collect on this debt 20+ years from now if they want to try. You will always owe the debt. My aunt had someone try to collect on a debt from 1993 last year. She sent them a debt validation letter and that was the end of them.
No, they CANNOT report it.
You can pay them if you want, the debt will exist forever.
Now is a good time to tell them since they cant sue you and it cant be put on the credit report ever again, you will give them a % of balance to settle the debt and be done.
All they are doing now is chasing $$$ and hoping to scare you into full payment.
Other than annoy you, theres nothing they can do.