This has happened to me recently. Know this, any debt to a bank or credit card is completely cleared in 7 years. When you have someone coming after you to collect debt and it has been more than 7 years since this debt had started, IGNORE IT!. They try to scam people out of money thinking "Oh if I pay $200 of my $2000, my credit scores will improve!". I just got one in the mail the other day. Do not fall for these. These are not government issues collection agencies.