Also worth noting....
Just because the debt is rendered unenforceable, doesn't necessarily mean that it doesn't remain due and owing. If you don't fancy a string of defaults ruining your credit score and leaving you with higher interest payments or being unable to obtain credit etc, then just pay what you agreed to. Remember, when you fail to pay something, it leaves not only you, but other people paying more to cover the loss you generated. No financial institution will ever merely write it off.
( Muns, Mon 14 Nov 2011, 13:11, Reply)