These are aggressive debt collectors who buy old debt accounts and actively pursue consumers to collect the debt, even though the statute of limitations has past.
This is a violation of the Fair Debt Collections
Practices Act. Some creditors even lie and say that the statute of limitations starts from the day that they purchased the debt account. If it is a law firm, get their address and tell them you will report their firm to the bar.
1. Do not send in a payment
Doing so, will make your delinquency look recent. It will also give the debt collectors the idea that you are an easy target and they may attack you on other fronts.
Keep an eye on your credit report to make sure that they are not reporting negative information about you. Your old debt account should not be reflected on your credit report since the statute of limitations is past.
If you find that they are reporting the information, take corrective action immediately and fix any errors.
Also contact a consumer lawyer they will sue for large damages.
The Fair Debt Collection Practices Act indicates that there are certain things that creditors cannot do in their attempt to collect debt.