[vsjhoc]

Tina - You mean you didn't jump at the chance to accept this wonderful offer??? This is really sleazy. I'd ignore it.

If (I didn't check) the Statute of Limitations in SC for this type of contract is 3 years, it means that if they now sue you for the debt, you'd have the defense that they are time-barred -- meaning they waited too long and they are SOL. You win.

This is a different issue from inclusion of the debt in your credit reports. The trade line will fall off your credit reports 7.5 years after your date of first delinquency, which is when you stopped paying. So if your last payment was in Jan 2001, you missed the Feb 2001 payment and never paid again, this old debt should drop off your credit reports in August 2008.