1 Do not promise to pay. In many states, a promise to pay resets or tolls the SOL.
2 If it is in fact beyond the SOL, send them a letter telling them to stop contacting you, and send it certified mail. Keep the return receipt. That should stop them, unless they are dumb.
In that case, find an attorney and sue them.
PS: Jackie, it is not $1000 per violation. It is a MAXIMUM of $1000 per ACTION. That means that if they violate the law 1 time, or 1,000,000 times, the most you can get under the FDCPA is $1,000. That is why so many CA's are willing to roll the dice and break the law. The vast majority of consumers won't sue, and of the ones who do, the payout is relatively low.

