Can debts be forgiven after a certain period of time?

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What happens if I make a payment to the wrong debt collector?
Is it illegal for a debt collector to harass me?
Can a debt collector contact me after I’ve written them a letter asking them to stop?
What rights does the Fair Debt Collection Practices Act give me?
Who do I contact if I believe a debt collector has violated the law?
Can a debt collector list my debt on my credit report?
Can a debt collector contact me if I have a court order protecting me?
What is debt collection law?
Can a debt collector ever report negative information to credit bureaus?
What happens if I can’t pay a debt collector?

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