Aren't I passed the Statue of Limitations? The debt was in Texas. It says I owe over $7500 and they will settle for $4500. I cannot pay this debt. The reason I couldnt pay the debt in the first place was because I became disabled then homeless. What should I do? I am afraid that if I respond then it will open up my case again and begin the new statue of limitations. Yet, if I don't respond, what will happen? Please help. I am on pins and needles about this. Thank you!!!!