I received a letter today from RJM Acquisition Funding that is an attempt to settle an account which they state has a DOL of 9/5/97. The letter provides the OC name, acct. # and alleged amount due. I have never received an w/respect to this acct. before, it has never reported to any of the 3 major CRAs and since it is at least 10 years old I honestly can't recall if it is mine or not. (It wouldn’t be outside the realm of possibility since I was an irresponsible young twenty-something 10 years ago. . .)
Since RJM is offering 3 different settlement/payment plans, I’m assuming this is just a last ditch effort to get some $$. I’m not sure how to respond b/c I don’t want this to start reporting, even though it is outside the SOL in my state and past the reporting age limit. I am aware of RJM's sleazy tactics in the past. How should I handle?