
Quoting
divemedic
First things first. Send a dispute letter, certified mail. Make sure you keep the proof that they got it. Let them send you what they have. This can only help your case later, if you need to prove the SOL has run.
When you get a response, and it shows that you are in fact outside of the SOL, then send them a letter saying you refuse to pay, and they must cease all communication with you.
The reason you want to send the dispute first is to get the SOL matter taken care of, because a refusal to pay leaves the CA with only two options: cease collecting, or sue. You need to make sure you are in the clear with the SOL before you back the CA in to THAT corner.