My question involves collection proceedings in the State of: Virginia
I have a foreign student loan from Sweden that was taken out back in '98. It has been past due since 2006 and I just received a letter for a collection agency in California attempting to collect it. What are my options? 1- Would the statue of limitations apply?
2- Can they add it to my credit report without a court judgment in the US?
3- What can the collection agency do without a judgment?
Thanks!

