I have a collection from Portfollio Recovery with DoFD in June 2008. I know this account always looks current because they report every month to the credit bureaus. Although I have never acknowledged the debt, I am wanting to pay a settlement for it (it’s not a huge amount but the interest has blown it to double the original amount) and am not sure how to proceed. Although it’s reported different on each of my credit reports, it does show an estimated removal date of 07/2015 on my TU report. It’s past SOL here in CA. If I make any payments or try a settlement, I’m afraid I’ll have to pay the full amount because it’ll start up the SOL again. Is there any way to protect myself from that?