I'm not sure I believe that debt over a year old is not pursued. Anecdotal, but...

I've had 4 different cell phone numbers in my lifetime. All of them were still getting debt collection calls or still are up to 15 years later. I've had my current number for over 15 years. I'd love to meet Tanya who ran up the bills for my current number.

Also, I had my appendix rupture right after getting laid off and going on COBRA. I am still getting occasional calls about that even though the insurance eventually paid off. That was over 10 years ago.

COBRA is another scam. $1650 per month that my employer was paying ~$600 for.

Scumbaggery is rife in the insurance industry. The Rainmaker should be required watching...