Both debts are over 7 years old. One was deleted from the credit report last year. The other one should have fallen off by now also. The SOL in my state is 4 years. On one of them, I screwed up and made a payment after the company had written it off, but that payment was posted Aug. 4, 1999. According to my calculations, that's four years and its outside of SOL. The last payment made on the other account was in 1998 so it appears to be outside of SOL as well. Am I correct in my calculations or is there some other rule I'm not aware of for SOL expiry? Also, does anyone have any suggestions about how to handle it once they finally find me and I get served?