Weltman, Weinberg and Reis

A little background....my husband and I had stellar credit until 2009 when we could no longer afford to make our credit card payments. The reduction of our income starting the year before caused us to begin relying more heavily on credit. We thought the income reduction was just temporary and unfortunately it was permanent. We are two payments behind on our mortgage also. The SOL on most of our credit cards are fast approaching and are clustered between 6/28/2013 and 7/11/2013 because we stopped paying most of them at the same time. I'm in California.

On Monday I received a voicemail from Weltman, Weinberg and Reis, a collection attorney's office based in Ohio. They left another recorded message yesterday although both recordings cut off before they leave their phone number. I checked and found that while they are based in Ohio, one of their partners is licensed to practice law in my state.

In the message they ask only for me. I do have two accounts that were only in my name so I assumed it was one of those accounts. I checked my credit and saw no account listed under their firm's name, nor any inquiries made by them so I ran my husband's credit and saw they had made an inquiry on his Transunion report. So now I'm assuming it is one of the accounts that he and I share. With the SOL coming up I am really hoping to stretch this out to prevent them from filing suit before the SOL. My plan is to wait until I receive something in the mail from them and then DV them toward the end of the 30 day time limit. Is this the correct approach? I really wish we could have paid all of our bills to begin with, but at this point any extra money needs to go toward getting our mortgage current. Thank you in advance for any input.