Can I ask what the damage is by allowing collection agencies who have purchased a debt to attempt to collect said debt past it&#x27;s SOL? If you touch a debt (e.g. make a partial payment) it resets the SOL, so it seems there&#x27;s precedent that a debt past its SOL is still a valid debt.<p>It also seems like a beneficial negotiation tactic for the consumer. Some states have an SOL well below the ~7-year period where it falls off your credit report. So if I live in Louisiana with a 3-year SOL on consumer debt and someone tries to collect a 4-year-old debt, pay-for-delete obviously becomes a much more likely scenario. My credit goes up a lot with the removal of a delinquent account, and the collector makes money off something I could otherwise ignore without penalty.