There ' s no need to rain on someoneAbsolutely . I agree 100 %. People ' s shitty opinions should let their shitty opinions speak for themselves . <| sep |> I haven ' t heard from them in about 2 years . I don ' t think they ' re actively pursuing it . And when it shows up on my credit report , it ' s a zero balance . I ask because I ' ve gotten different answers . I ' ve heard it ' s a debt I should pay , and I ' ve heard it ' s a debt that I wouldn ' t be able to pay even if I tried . I can ' t find a clear answer and I ' m almost afraid to call them and get an oh since you ' re asking , yeah , you can pay us kind of answer . Lol <| sep |> Maybe , but he ' s also right , though . It is starting to look like we have two teams worthy of facing each other instead of two rats fighting over the last piece of cheese in the dumpster .