I received a letter from Resurgence Legal Group stating they have been retained by Main Street Acquisition Corp, as assignee of Wells Fargo Bank. It says that I need to respond within 30 days of the notice. I am unable to pay anything at this time. I was wondering what are my options? This debt is from a credit card that has been cancelled maybe about 6 yrs ago. When does a debt like this supposed to drop off your credit report? And if it was supposed to be dropped off by now, is it legal for them to sue me? Or is there some kind of loop hole that they can sue? Please help.