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You wrote, Even if it's no longer within the statute of limitations, that doesn't prevent the lender from trying to collect on the debt, it just prevents them from suing you for it.

As I've pointed out, an SOL doesn't prevent a suit - it's only an affirmative defense to one. But you have to assert it in your Answer (or without a state-specified time-frame) to the suit.

There is a very good chance that a court will still accept a civil complaint even if the claim is outside the SOL.

- Joel
Who is not a lawyer...
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