advices:
if your last payment is more than 4 years ago (applicable in CA, different
state may have different numbers), and you haven't told them that you do owe
them, tell them to drop dead. they can't collect any unconfirmed debt more
than 4 years old.
if you got phone call, just write down who is calling and their number,
search for "fair debt collection practices act", write them a letter to stop
calling you. don't say something like "yes I owe you but I don't want to
pay", that's the confirmation of your debt. 4 year clock start to tick again
.
you can ask them how what this debt is for (when, what for, likely they will
not have them. if they can't prove, forget it).
they bought these debt dirty cheap, (pennies for dollar), if they can extort
few debts out of hundred, they are still happy. The only way they can force
you to pay is via a court order. if the amount is small (few hundred bucks)
, they are not going to sue you.
I don't encourage to skip the payment, but this is my 2 cents.
