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Make sure you have your SOL correct. If the debt is 13 years old, but was most recently paid, say, three years ago, then the SOL doesn't come into play.

Good luck to you!

Marie Megge


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If you really owe the debt, then it is your moral obligation to pay it off. But legally, you are not obligated to repay it anymore as the Sol period on the debt has expired. The collection agency can't sue you for the debt.

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