Q: My car was repossessed over 4 years ago. A debt collector keeps calling me asking for money. What do I do?
A: The statute of limitations is four years. Therefore, they cannot collect on this debt anymore.
You should not send them any letters at this point. If you do, your letter may be considered to reopen the statute of limitations. You do not want to do this.
You may want to consider retaining an attorney to advise the collection agency about possible FDCPA violations.