ncbill
Thinks s/he gets paid by the post
From what I have heard, these bottom fishers often buy lists of people who owe money but the statute of limitations is past. However, if they can get you to make any payment, no matter how small, the clock starts again from the beginning. I am all for people paying their debts if at all possible, but beware being tricked into into doing something that will open you up to many more years of harassment.
Never discuss terms or payment over the phone.
With any debt collector the first thing is to demand written proof of debt.
And in my state their license number, since they can't legally collect debt here unless licensed.
I've never had any creditor claims go beyond that step, though to be fair I knew all the claims were bogus anyway.