<prompt> Human: I read online that there is a statue of limitations of four years for credit debt in California. My cards have been in collections for 7 years. Is it true that this should no longer be on my credit report?Edit: spellingAssistant: Have you considered paying the debt?Human: I was given a ridiculous amount of credit when I was 18, and being young and stupid I lived above my means. I would love to pay it all off, and if I could I would, but with student loans, rent, car payment, and everthing else that is essential just to live, I cant afford to pay it off.  <response>: No I havent 