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Debts do not "expire" unless the creditor cancels the debt and remits a 1099C to the debtor. There are statute of limitations for debts that are established by the laws of the debtors state which prevent a creditor from filing a civil suit to collect the debt owed. Negative credit information remains on a credit report for seven years from the DLA, (an exception could be a valid recorded judgment).

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18y ago

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