Capital One is fishing on customers to pay the old debt.

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Recently, I read a newspaper about this tactics Capital One credit card using recently to get their customers to pay the old debt that was long, long, long time ago, even way pass the statute of limitation. On the billing statement, they would include this phrase of "according to Federal Law, section 3.04, etc...... We are in compliance accordance to this statute, and legally charge this default debt etc....." If something that is way pass the statute of limitation, you don't have the responsibility to pay for it. Once you make a payment, even a penny, you are automatically admit this debt is legit, and they will start charging you. So, ignore it, or do some more depth research on it.