I have read a lot of horror stories about Convergent (not so much related to my post, but seemed worth mentioning). I received a call from them yesterday saying that I owed a debt with PayPal and an immediate push to pay. I had an account with PayPal for many years (since they started) until three years ago when a customer filed a claim on work that had been done for him (custom project), and they sided with him, putting my account about $1000 in negative. There was absolutely no valid reason for them to have sided with him, and I said all that in the dispute (and also tried to discuss with them directly). Anyway, that was three years ago that I stopped using PayPal due to this dispute. This is not something that's on my credit report. Obviously, I don't want it to be on my credit report, but it seems like a long time from the issue without it being on my report to come up now (maybe I am mistaken). I have settled other accounts when called about legitimate debts. It's not that I want to avoid paying a debt. It's that I do not want to pay this as I very much disagree with it...and went to great trouble to use an alternative for payments because of it.
What do you think? With the time that has past, do you think it will end up on my reports if I don't pay this one?
Thanks much in advance for input.