Just tell her to stay in AU for more than 7 years and it should all be erased from her credit record.
Are you referring to Statutes of Limitations? That length is different for each state by the way. First you need to default, then it needs to go to collections. Then you wait out the length of the statute of limitations. Then it takes another 7 years to get off your credit history. So depending on how long that limitation is, it could be any where between 12-20years.