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http://credit-card-debt-help-video.blogspot.com/2011/11/debt-collection-what-to-say-when-you.html[/postlink]
http://www.youtube.com/watch?v=ENvLo5wIfbgendofvid[starttext]law in Pennsylvania states that after 4 years your credit score is cleared of any debts older than 4 years. That means your credit is restored. I do not understand why people would file bankruptcy over $2,000. Most likely you will not be sued over $2,000. If you receive a collection call after 4 years, it is illegal automatically, every call will cost the collection agency $1,000. which they have to pay to you.[endtext]
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