I was contacted today by a "debt mitigation" company regarding a Providian CC account we last paid on in 2012. The rep told me something about the contract including a tolling option that extends the SOL by 15 years. I have not been able to find anything saying the SOL could be extended by that length of time. They gave me an offer to settle it for about 1/4 of what they are threatening to sue for and 48 hours to decide. Is this something I should make a counter offer on or should I just push that this is out of the SOL and call their possible bluff?