<prompt> Human: So. The creditor agency that picked up my Verizon debt is Jefferson Capital Systems. This bill was from 2012 and to be honest Im not entirely sure what happened but its a bill for 2200. I moved 1500 miles to a new state in 2015 and have been financially stable enough to make payments but we never got any kind of letter from any debtor about it and thats what we were waiting for. Well 2018 is around and here it is in my lap.The letter states Please allow this letter to introduce Jefferson Capital Systems, LLC as the owner and current creditor of your referenced account. The information is not legal advice. The law limits how long you can be sued on a debt. Because of the age of your debt, we Jefferson Capital Systems, LLC cannot sue you for it. It goes on to ask me to renew this debt. Should I do that? Is it better to let it sit? Will it disappear? They are asking for a settled price of 1,369.99 to pay it off and be done with it. What is best to help increase my over all credit score?  <response>: Do not make any form of payment to them. That will allow them to sue you for it 