[header] How to make a settlement with a collection agency [title] Validate the debt collection agency claims. [substeps] You should send the debt collection agency a letter requesting that it send you proof you owe the debt. [title] Check the statute of limitations. 
[substeps] Each state has a statute of limitations on how long a creditor has to collect on a debt. For example, debts from 10 years ago may be considered zombie debts-or debts too old to collect on.