Editing Debt collection (section)

===Re-aging of debt===
In some instances, a debt collector will attempt to revive a debt that has expired due to the [[statute of limitations]] by themselves making a payment on the debt, "to re-age the account in order to have more time to collect".<ref>Merlon Harper, ''Financial Freedom: A Guide for Personal Finances'' (2015), p. 20.</ref> Such a payment, usually in a relatively small amount, may appear on a credit card statement as an "agency payment" or "transactional payment", and may also be referred to as a "phantom payment" since it is made by the collection agency, without the knowledge or permission of the debtor.<ref name="bucci">{{cite book|last1=Bucci|first1=Stephen R.|title=Credit Repair for Dummies|date=6 August 2008|publisher=John Wiley & Sons|isbn=978-0470411117|page=59|url=https://books.google.com/books?id=2iUM3ag2KbwC|access-date=19 January 2018}}</ref><ref>{{cite web|url=https://www.creditinfocenter.com/repair/reaging.shtml|title=Re-aging Accounts - Legal and Illegal Methods by Collection Agencies|date=15 July 2021 }}</ref> Because this payment is not made by the debtor, an agency payment does not extend the statute of limitations beyond the last date when the debtor personally made a payment on the debt,<ref name="bucci"/><ref>{{cite web|title=Consumer Reports: What Information Furnishers Need to Know|url=https://www.ftc.gov/tips-advice/business-center/guidance/consumer-reports-what-information-furnishers-need-know|website=Federal Trade Commission|access-date=19 January 2018|date=November 2016}}</ref> and will likely be disregarded by a court when a debtor claims that the debt is expired under an applicable statute of limitations.