How to clear unpaid mortgage charge off from CR. ( Mine was 89 K and after Charge off they show as ZERO dollars on report ).

I got call from a collection 2-3 times but I ignore it.

Now I see I am within SOL realm, also I see folks say that past SOL they can collect. Can anyone advise what is the best mode of approach to settle at a lesser amount and whom to approach..

Please advise.

D