Haha, there’s one specific ringtone that still gives a small pang of panic when I hear it, and it’s been almost a decade since Ive been out of collections. I largely used the dispute option off of creditkarma, though that might have been before intuit bought them, so I don’t know if it changed.

I don’t think the clock resets if the debt is sold. Just if you make certain actions on it, though I can’t remember the particulars right now and the state you reside in will matter

Edit: ah ok Ukraine, I’m not sure, but good luck, you’ve got this. Screw those vultures