<prompt> Human: This debt isnt even on one of my credit reports anymore. Its that old. I offered 3k to settle but they refused to settle for less than 3800. Ive thought about lawyering up but that will just cost more either way.  <response>: Research the statute of limitations on this. It runs from the last date you paid and will restart if you make a payment, so be very very careful.If its already rolled off one of your reports, you may be better off just ignoring it. These companies arent stellar at removing it from your credit report even if you pay them.In the alternate, if you didnt receive notice of service on the suit, whatever judgment they got is invalid. 