So, will they be able to file a judgement against me for this? On the phone, I told them as little as I could limiting my response to and explanation that I was not "refusing to pay the debt", but could not agree to their terms at this time.
The last thing I want to do it re-open this when it should be dropping off soon. I'm just worried that they might file a judgement or do something that would reset the SOL or further soil my credit. I know they're just putting on a 'full court press' with the impending drop from my credit report, but it's still pretty rattling.
Thanks

