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franl1

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can a debitor write off an account , send you a 1099 and still report it to the credit report

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Yes. Just because it is written off does not mean it will fall off of your reports and it does not mean that you no longer owe the debt. The seven year reporting period determines when it will fall off your reports and the "statute of limitations" in your state determines how long you are legally on the hook for the debt.

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