yes i did write the account numbers on the check of the accounts i was paying, not one of these has ever shown up on my credit report, iam assuming since they are out of the sol they can not put the on my cr, iIhave a freind that works for a different ca and she was the one that told me to pay the ones that are not out of sol and do not pay the ones past 6 yrs old she said it did not matter if they lumped them togather or not sol is sol and they where uncollectable she said just return the bills to them and write sol on them and i would not hear from them again ill post the letter i sent to the ca on here HMC 837 Crocker Rd. Westlake, Ohio, 44145 Date Account # Amount 04-17-2006 4366208 $129. 70 02-28-2006 4370252 $248.71 05-14-2004 4353763 $120.57 01-25-2001 4352009 $192.00 06-24-2000 4365609 $297.31 11-17-1999 4352001 $930.00 03-20-1998 4351993 $420.00 01-28-1998 4362208 $350.00 04-06-1994 4361370 $500.00 03-30-1993 4360521 $720.00 Total Of 10 Seperate Bills. $3908.36 Dear H M C, This letter is in response to your bills, statements dated 12-17-2006 concerning the collection of the above referenced accounts. A copy of your bills attached. I will not be taking the offer you made to me of $2750.00 to settle. These are 10 seperate bills with 10 seperate account numbers. I do not believe that I owe this debt, and therefore I am disputing this debt. I have verified the state statute of limitations for debts of this type through Ohio courts as six years. Therefore, the statute of limitations for the collection of some of these dates has expired. However I am sending you payments for the bills that this rule does not apply. Date Account# Amount 04-17-2006 4366208 $129.77 02-28-2006 4370252 $248.71 05-14-2004 4353763 $120.57 01-25-2001 4352009 $192.00 Total of 4 seperate bills $691.05 I hereby require that you take the following actions: 1. Accept this payment in full as the bills older then 6 years are out of the statue of limitations for the state of Ohio (the FDCPA rules apply) 2. Forward a copy of this letter to the creditor who alleges that I owe the debt, inform them that I am disputing the debt and paying the above accounts 3. Any negative reference made by your company on my credit reports to any credit reporting agencies will result in swift legal action against your company. Except as specified outlined herein, I am requesting that you cease all contact with me about the alleged debts. Any further contact should be strictly in conformity with the FDCPA: It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt, or stating that you are taking a specific action in relation to the debt such as commencing a collection lawsuit. Obviously, I would raise the statute of limitations as an absolute bar to any lawsuit. Any further contact should be made in writing, and should be submitted to my home address by mail. By Ohio laws you are not permitted to call my place of employment as you did, or make any harrasing calls and/or false statements, since this is what in fact you have been doing (phone records at work). You need to stop this illegal practice of false or misleading statements immediately.