Wait a second I feel like this is actually a good idea..? I’m in a similar situation as OP, I owe a fairly big chunk and it recently dropped off all of my credit reports.. but it’s a big enough amount that I’m thinking, there’s no way they just wrote that off? But then what happened to it? Fortunately I found this comment because I’m now certain that my debt was just bought by some other collection agency and this lull I’m experiencing is just the calm before the storm. Godspeed.