<prompt> Human: I apologize if this has been asked before. Ive tried to do as much reading on it as possible but didnt come across anything exactly like my situation. I reviewed my credit report recently and saw a debt of 80 from an auto insurance company reported from a collection agency. The CA has not contacted me by phone or mail that Im aware of. It listed the original creditor and had an open date of February 25, 2014. I know I did not have insurance with this company at that time. So, before I contacted the listed CA, I called the insurance company and was told that it was indeed my debt. A balance left over from a cancelled policy on October 6, 2009. I was never made aware of this balance and had no idea it was sent to collections. I asked the rep to mail me a statement from the company that listed the amount owed, the date the policy was cancelled and the date it was sent to collections. He agreed to do so. Im at a loss as of what to do next. Im in Georgia where the SOL is 6 years. So, this debt is almost at that mark come October. I obviously dont want to intentionally not pay what I owe, but I also dont want to hurt my credit even further. So, I guess my questions are as follows:Should I pay the OC and trust that they will notify the collection agency?Is the fact that the open date with the CA 22514 a sign that my debt has been re-aged?Should I wait until after 10616 and inform the CA that the SOL has expired? Should I contact anyone at all?Have I reset the clock on the SOL by validating the debt with the OC?Thanks in advance!Edit: Trying to format. Edit Edit: Trying to edit.Assistant: They are NOT going to notify the collector. Who knows how many hands that debt has changed. Take the money you would have used to pay the debt and set it aside. Use some of it to get real financial advice from somebody with legitimate knowledge of how to handle the situation. Youll never know for sure what to do when you just look on the internet. Ive never gotten any real answers about debt from the internet and would want a real advisor before I did anything drastic. Human: Thank you for the advice! Ill look into an advisor. Definitely want to know the best options before I potentially make a mistake.  <response>: I would wait for a while until the thread sorts out the bad answers from the good answers. 