<prompt> Human: I bought a piece of jewelry over eleven years ago. I was 18 and stupid and defaulted and just forgot about it. About two years ago my wife and I decided to look into getting a home loan. When the loan officer pulled our credit report the jewelry debt was gone. We paid off the only lender that was reporting and assumed that the SOL had taken the other debt away. Today I receive a letter from First National Credit Bureau stating that they want to settle on the jewelry debt. The letter says that if I dont respond within 30 days disputing the debt then the office will assume that it is valid. I looked these guys up online. They have an F with the BBB. Many others complain about harassment from them. I know nothing about this stuff. Do I need a lawyer? Do I dispute? Do I ignore? Do I pay? Any advice from folks who know would be great. Btw I live in Texas. The debt collector is in Nevada.  <response>: I would just send them a no contact letter. Do not admit anything or say anything about the debt just tell them they are not permitted to contact you for any reason.This is Zombie debt and they are hoping you will pay something jut to get them to go away so they can re-age it and try and get you to pay. Just watch your credit report and make sure it does not pop up again because they tried to re-age it. 