I have a 4 year old chargeoff that is beyond the 3 yr old SOL of my state. I want to contact them about a PIF or payment arrangement possibility. I’m just worried that if I call them and then can’t work anything out with them that it will reset the SOL and they could then sue me,. I want to pay it, Just need advice on how to proceed. Also does anyone know if they still offer the Optima Oasis program for old accts that are PIF. Thanks in advance for any advice of input.