1. What are valide proofs of debt? 2. If the debt can be proven, can I settle for less than the amount owed? (Because I believe the debt may be mine but if it is, the SOL passed earlier this year and the seven year anniversary is coming up in April.) 3/ Since I am unemployed can I put off the payment date to give myselft time to secure employment? Thanks for any help! P.S. This same debt that I've mentioned, the CA had the nerve to send a letter through their attorneys offering a settlement of 50%! How can they do this if the debt hasn't been proven!!