I had a Capital One CC that was opened in 2003, I was 19.  Long since charged off and closed.  5 months ago I get a collection settlement request from Midland Funding.  Where do I start? Is this passed SOL?  Will this collection account stay on now for 7 years?  How do I start to attack this?  I can provide more information if needed, any help appreciated.  I have a USAA CreditCheck Monitoring subscription, so I can dispute.  I just don't know on what grounds to even start.