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Man from collection agency in CA is saying that the SOL starts on the charge off date which was 2010 - I am in IDAHO and the SOL is 4 years for open debts and the last payment was made in 2007. Is this a phishing scam from a collection agency? Says I will be served a summons if I don't accept the offer he has made to pay said debt. what should I do? Is this debt even relevant due to SOL?