this post was submitted on 07 Jan 2025
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Not really, there are time limits where they can't sue you anymore, and credit agencies will stop reporting the original debt holder, but you're on the hook for life, usually even if you pay it off if it passes more than one collector.
On you're "in the hook for life", but they also can't sue you to force you to pay?
Well then just ignore them.
Sure, as long as you no longer need credit that works out. Also since we're talking the US, that's as long as you don't need a job, to rent, to drive, or do anything else that requires a credit check.
But if I can't get a job due to debt how do they expect me to pay it? What a dumb system...