Quote:
Originally Posted by ericakj
Should I wait the 7 years for it to get off my credit?
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I don't think anyone has commented on this question. This debt will not go away until you pay it off. Once you have paid it, it may drop off your credit report after 7 years, but it will remain on there as long as you owe them even $1.
As far as the harassing phone calls, if it is a cell phone you can program in their number as a contact then set their ringtone to silent. That way you won't be disturbed when they try to call. If not, you're going to be stuck with them calling and there isn't much you can do about it unless they break the law. Here is a web page about stopping the calls.
Stop Debt Collection Calls - How To Stop Debt Collectors From Calling
Also, remember to remain calm while on the phone with them and if they start getting you upset, just hang up. You don't have to talk to them if you don't want to.