By making payments on the debt, you restarted the statute of limitations. What's missing here is the judgment. If they got a judgment against you, you can check its validity (for example, were you served with the lawsuit papers?)/ If there is a judgment and it is valid, then they can collect against you.
There are facts missing from this scenario to give a definitive answer.
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By acknowledging the debt and making payments you may have restarted the clock on the statute of limitatons. You should talk to a local attorney about reopening the default judgment.
When you find out that a judgment has been entered against you, normally by discovering that your wages are being garnished or the bank account has been frozen, you still have a couple of options.
In most States the Courts allow you to reopen and challenge a “default judgment”. Most States will allow a year to accomplish this. If you did not get the paperwork for the lawsuit, or you got the paperwork but never did anything, then the judgment was “entered” due to your default to file an Answer.
You have to bring a motion in the Court where the judgment is filed. That motion normally has to include a defense to the charges and a copy of your proposed Answer.
You should definitely get a local lawyer to help you with this, or seek the assistance of a Bankruptcy attorney to get rid of the liability. If you can’t afford a lawyer and you are being sued check out my website for a free form Answer.
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Disclaimer: This answer does not constitute legal advice. I am admitted in the States of New York, New Jersey and Massachusetts only and make no attempt to opine on matters of law that are not relevant to those three States. This advice is based on general principles of law that may or may not relate to your specific situation. Facts and laws change and these possible changes will affect the advice provided here. Consult an attorney in your locale before you act on any of this advice. You should not rely on this advice alone and nothing in these communications creates an attorney client relationship.
As long as you pay inaccordence with your written agreement no issues really. Soun ds like they sued you along the way, have a Judgment and have recorded it to protect themselves in case you do not pay.