Long story short, I have a charge off from college days, I have resolved other charge offs with loans from a bank. This is my last credit issue, but I have run out of collateral to help me repay this old debt. my credit report shows 30 days past due in Nov. 2002. on this debt. Anybody know how close I am to statute of limitations for state of West Virginia? Also any way to settle for less AND make payments? --usually its either settle in lump sum or pmts for full amt.
Thanks in advance