I had an auto repo in 8/98. Acct went delinq in 9/97. I rcvd 1 notice (in 8/98) from the CU stating car was repo'd, etc. I called the CU this wk to try to get them to remove this off my CRpt. CU says no AND stating they can take collect action still. In 10/02 I pd them $3000 for an unsec judgment (also from 9/97) becuz I couldn't close on the sale of my house unless it was satisfied. Now, they're trying to do the same thing. I thought Statute of Limit in AZ was 6 yrs from delinq, so for me 2 more wks right? How do I dispute this or even settle? I offered $250 (owe $9500) he laughed, said no way. Any suggestions? I have a feeling the CU illegally put judgment on me (unsecured loan) and made me pay off the debt. I need help finding concrete examples/law of what my rights are on this auto repo that I could attach with a dispute or threatening lawsuit. I just want it done with and to show pd in full. Anyone's help is welcome. Thanks in advance.