If the MasterCard account has exceeded the SOL, you needn't make any payment towards it. You can send a Cease and Desist letter to the CA thereby asking them to stop all communication with you.
You can enroll in a debt consolidation Minneapolis program and pay off the MasterCard account along with the other bills that aren't easy to manage. Alternatively, you can get help from a Minnesota debt settlement company to negotiate a settlement with the CA by enrolling in a Minnesota debt settlement program.