First read the information in my signature. Especially the Texas Finance Code. You live in TX and the TFC is a very debtor friendly law. Once you read the TFC you will learn that a debt collector is required to post a bond with the TX SOS in the amount of 10K. If they do not have a bond posted they are in violation of the TFC. So I did a search on their website [that search link is also included in my signature] and found no company named Jenkins Bapp. Don't get your hopes up yet. But many debt collectors have DBA's or Doing Business As names. I did find that the below company has a bond posted with the TX SOS for debt collection. Principal Name: law Office of Robert E Jenkins PC Address: 3010 LBJ Freeway Suite 1200 [btw this address is old according to their website] Dallas, TX 75234 File Number: 20070068 Status: Active Date Filed: 3/29/2007 Cancellation Date: Phone: Bonding Company: SureTec Insurance Company Bond No: 3336676 So I went to the jenkinsbapp website and found that Robert E Jenkins is the principal partner of that lawfirm. Now I'm not sure if the TX SOS requires it to be in Jenkins|Bapp, LLP name or if it's ok for it to be just under "The Law Office of..." I would call the TX SOS up or email them and ask for some advice. Because to me [and I am NOT a lawyer] if "The Law Office of.." has the bond posted with the TX SOS for debt collection and you are getting CMRRR letters from Jenkins|Bapp, LLC then [to me] that could be a debt collector misrepresenting itself. Also the letter your co workers signed for...is it from the Lawyer Robert E Jenkins? Meaning he personally signed it? Or does he have staff that signed it? Because in my opinion that matters. Quoted from the TFC: (7) "Third-party debt collector" means a debt collector, as defined by 15 U.S.C. Section 1692a(6), but does not include an attorney collecting a debt as an attorney on behalf of and in the name of a client unless the attorney has nonattorney employees who: (A) are regularly engaged to solicit debts for collection; or ( regularly make contact with debtors for the purpose of collection or adjustment of debts. So if the lawyer himself wrote the letter then the TFC does not apply to him. If one of his non-attorney employees wrote the letter and signed it then the TFC does apply to him. But I am lead to believe that "The Law Office of..." does have non attorney employees working for him because why else would he have posted the 10K bond if it did not apply to him. Now in regards to your SOL. I BELIEVE [could be wrong] that in TX the SOL for credit card accounts is four years from last date of payment. But if you paid in early 2005 as you stated, that did NOT change the SOL. I BELIEVE that in order for the SOL to change in TX you have to bring the account current and then let it go to collections again. So if you payment in early 2005 did not bring the account current then I THINK the SOL would be the 2004 date you mentioned. Now what brings a collection account current? In my mind, in order for you to bring the account current you would have agreed to a payment plan. And if you agreed to paying $50/month and you paid $50/month for one month then you brought the account current. Read this link...it may be too late for you. http://jenkinsbabb.com/Trail_to_Trial.html You need to contact your local court and find out if default judgement has already been paid in their favor. I would really like some others to chime in here but Thanksgiving is coming and I'm sure the amount of people that will be on this website this coming week and weekend will be low. So maybe come Monday others will help you out. Again, I am not a lawyer.