If I settle on my father's probate claims ( SOL run ) , would I have a problem paying or settling only with the original creditors ? Dad signed contract agreements with card lenders . Banks paid for any and all transactions at the cashiers counter . The banks secured his purchases . When dad signed the receipt , the banks were the ones who paid the retailers for goods and services . If some of the creditors sold or assigned debts to collection agencies for recovery , well that's their deal not mine . If I am going to pay claims filed against an estate , although time barred and past SOL , then I want to pay who I want . They wrote - off those debts and 1099C ed them in full , so I want to pay them in full . They didn't have a problem 3 1 / 2 years ago asking for their money . What can I expect ?