<prompt> Human: Received a collection letter today for an account I have had no activity on in at least ten years. Its been sold and resold, and is now being handled by one Convergent Outsourcing on behalf of another JDB. The standard stuff applies: the balance is some exorbitant amount, theyre offering a payoff of about 50 of that which is still significantly higher than the original amount, I have 30 days in which to dispute or they consider it valid... etc.I have had no contact with the original creditor since before I moved to this state ten years ago, so I cant imagine that its still within the statute of limitations for legal action. Its definitely outside the seven years for credit reporting ran my TransUnion report tonight, and its clean... Ill do the others in the coming days.The question is, what if anything to do about this letter? Advice is conflicting... one online source actually says you should send a debt verification letter, but then in the very next paragraph says you shouldnt contact them because it can restart the clock, both for SOL and credit reporting.Since this is has to be out of the statute of limitations for contracts, my understanding is that they can send all the letters they want to, but they may not sue me, and they may not re-list to the credit agencies.So should I ignore the letter? Send a debt validation letter?  <response>: Assuming it isnt student loans you can ignore it. Statute of limitations varies: 10 years is well past any statute though. 