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Well if it was student loans those do not get forgiven. I believe certain debts after 7 or so years will “fall off” of your credit report. However, depending on the situation you can get sued for letting certain things go too long. Just really depends on the company and situation. A lot of different ways it can go.
It’s not how it works. It might get written off but then she would have gotten a 1099 for the amount of the bad debt. It also depends on where she lives because different states and countries have differing statutes of limitation.
And it stays in her bureau for 7 years, impacting heavily for the first two.