I live in CA and most of my credit problems are wi
I live in CA and most of my credit problems are with past credit cards. The debt is 4 years old (since last activity) which is the legal limit here in CA for the credit card companies to sue.
I anticipate needing to secure a student loan next year. My question is should I try for a pay for delete now or wait until next year to be sure the 4 year statute of limitations has passed? If and when I do pursue the pay for delete, what percentage can I expect to settle for? Since this is an unsecured and possibly expired debt I would expect to have a lot of leverage.
Thank you for your time!