Especially if it is past the statue of limitations... DO NOT respond in ANY WAY! If you do, the "clock" restarts!
Let them make threats all they want, ignore it!Â* Unless you receive a notice of a court date, then stand firm.Â* Do NOT answer a phone with your name. If someone you do not know ask you your name or if you are "Joe" then do not answer!
They will use every trick in the book via phone or mail to get you to respond so they can restart the clock on your debt!
Look up Clark Howard and ask him!