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Without knowing which state, you may only get a generic federal law answer. Many states have excellent creditor/debtor laws, never overlook yours !! Learn your credit rights ~ FCRA http://www.ftc.gov/os/statutes/031224fcra.pdf FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf FTC FCRA Staff Opinion Letters http://www.ftc.gov/os/statutes/fcra/index.shtm FTC FDCPA Staff Opinion Letters http://www.ftc.gov/os/statutes/fdcpa/letters.shtm FTC free annual credit report http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm FTC OPT OUT http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt063.htm FTC: REPORTING SOL DOFD EXPLAINED http://www.ftc.gov/bcp/conline/pubs/buspubs/infopro.htm find a lawyer ~ NATIONAL ASSOCIATION OF CONSUMER ADVOCATES http://www.naca.net/ LEARN HOW TO USE YOUR CREDIT RIGHTS My favorite FREE credit discussion board: http://creditboards.com/forums ~I am not a lawyer What I post is my opinion~