Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to make a settlement with a collection agency [title] Validate the debt collection agency claims. [substeps] You should send the debt collection agency a letter requesting that it send you proof you owe the debt. [title] Check the statute of limitations.

Ending1: [step] Some states require you to collect a complete amount of debt for a certain amount of time before requesting the collection agency send you a judgment. [substeps] Check with your state or local agency to see if the statute of limitations is valid. Ending2: [substeps] Each state has a statute of limitations on how long a creditor has to collect on a debt. For example, debts from 10 years ago may be considered zombie debts-or debts too old to collect on. Ending3: [step] Debt collection agencies must immediately collect any unpaid debt you owe. A collection agency will have to ensure that the debt has been paid within 60 days from the date of collection. Ending4: [step] The statute of limitations has been published since 1946, and the statute of limitations is often extended to 180 days from the date it is published. You should check the statute of limitations for the collection agency in your state before doing this.

Answer format: ending1/ending2/ending3/ending4