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Ponce62

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if go todebt coll. shouldnt be able to close it they wrote from taxes and wrote of my obligation ?

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Top Contributor
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The original account should be closed if it is with a debt collector. Doesn't matter if the lender written it off or not. The "statute of limitations" in your state determines how long you are legally on the hook for the debt. Separately of that, the seven year reporting time period (for most negative accounts) will determine when it will fall off your credit reports. If you can pay the debt collector in full you might be able to get a "pay for delete agreement". I do not advise contacting the debt collector about anything until you have a good understanding about how to. Don't enter payment plans either, unless you have done extensive reading and find that your case is a rare case and it would be ok to do.

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