<prompt> Human: Hi PF and any debt collectors reading this who can share some insight, In August 2008 almost 7 years ago I was just out of college and purchased 125 of clothes on an Old Navy credit card. Being an idiot at the time, I never paid the Old Navy credit card bill. For about a year, debt collectors would call and I never picked up. They stopped calling. Just yesterday, out of the blue, an Unknown number called me so I answered. It was a debt collector saying he was calling in regards to the debt and he demanded I pay 1,700. He said they were sending someone to my house my old address but he doesnt know this to serve court papers for me to sign. He threatened immediate action if I didnt acknowledge my debt over the phone -- such as garnishing my wages, and something about a 1099. He demanded to know Do you agree to pay or refuse to pay the 1700? Not knowing my options, I said it was a bad time to speak Id have to call him back. Again, he demanded to I accept or refuse? I said I defer to answer and will need to call back and hung up. What are my options? Is he full of empty threats? Should I ask to settle at a reduced cost? Id appreciate any insight.Assistant: Not my debt. If you think it is my debt, send proof. He knows the clock is running out and want to get you to affirm so he can chase you for another 7 years.Human: Thanks for the reply. If I ask for proof would I give him my new address though? He currently has the old one.  <response>: Give him your new address and youve just made his job massively easier. 