Say you've made no payments on a debt for 10 years and the statute of limitations kicked in at 6 years, or four years ago. (mymoneycounselor.com)
You should also explain that since you can't make payments on that debt anymore, that it will go delinquent and could affect their credit. (debtsettlement.com)
Once you've decided to file for bankruptcy, you should immediately stop making payments on the debt that you plan to discharge. (creditsesame.com)