What is SOL in Florida & Illinois?

I was sent a letter for a debt from many years ago.
It has been sold over and over and now a supposed law firm debt collector co. has it and will try to sue me.
There are 2 accounts listed from same co. The last collection company from weeks ago offered to settle for half but I do not have any money and am unemployed and Had 2 heart attacks. What can I do?? This is like the 12th collection company to purchase this debt! What is SOL
in Florida where I signed up for card? What is SOL in Illinois where I live? Do I contact Card Company direct
and ignore Law firm debt collection company or do I contact a reputable debt collection co?? Do I need a lawyer? Please, Help in time for Xmas and play
Santa please,

Double Heart Attack Victim in need of help

You should be calling yourself a survivor, not a victim.

Who is the creditor? Who owns it? Are you sure it has been sold or was it assigned. You talk about contacting the credit card company ...to me that says the debt has been assigned. If this is the case, the creditor will not work with you....they will tell you to work with the law office. FYI...the SOL is 5 years in Illinois...that is the only one you are concerned with. When was the date of your last payment??