i recently recieved a settlement offer from northland group with an unusual account name. it may be an old credit card, but it may not: inwhichcase i have no idea what it is. i recently moved and so i didn't recieve their original 30 day notification letter untill 2 months later. the window to dispute before they consider it valid is long up. i would like to make them validate anyway, but am wondering am i out of luck since that window period is long over.