Quote Quoting pg1067
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You haven't articulated any valid legal claim. You haven't asserted that the debt is not valid. In any event, you'd spend upwards of 100-200x the amount of the debt to sue, and you'd have no guarantee of succeeding. If you pay the $80, any negative impact it had on your credit will be gone in relatively short order. The bigger harm to your credit came from 15 years of "not need[ing] [and presumably not using] credit."
I haven't read anything yet that supports this claim. Even on a fico forum, they indicate this will just be a paid collection that will hold the "all knowing" credit score down in "worthless" territory.

When I said "not needing credit", I mean no NEW credit. I easily have over 20yrs of flawless credit history that no longer matters, including a mortgage that has been paid like clock work. Yes, I have all the files pulled and probably 10 accounts, all with perfect repayment schedules. However, I already know, and have been told by lenders, that score means I now won't qualify for for dick, and will be put in the "repo/bankrupcy" group. At this point, I am seriously considering filing for bankruptcy because I don't see any point in trying to carry perfect credit, only to be ruined by a simple issue.

Yes, Verizon has already said they will report for the next 7yrs.

Yes, I am pissed. I think anyone in my shoes would be. And bringing it to this forum to be shredded by attorneys was not the best idea to find help.