WOW you guys are quick! Thank you BTW So far they've sent me a letter stating I owe $4100.00, I sent them a Validation request letter, and received nothing more then monthly statements with the original creditor, along with a cover letter. The paperwork they sent me, only shows that my balance was like $3,000.00. The amount of the balance as of the last time I made a payment back in june of 2006, was $2,600.00. I sent them another Validation request, stating that I would like information regarding: • What the money you say I owe is for; • Explain and show me how you calculated what you say I owe; • Provide me with copies of any papers that show I agreed to pay what you say I owe; • Provide a verification or copy of any judgment if applicable; • Identify the original creditor; • Prove the Statute of Limitations has not expired on this account • Show me that you are licensed to collect in my state • Provide me with your license numbers and Registered Agent But after reading the FDCPA i noticed it only detailed they are required to give only the original creditor and amount owed or something like that. Now this information that I asked for, do they have to provide that, or no? I'm guessing no, however I think its beneficial that they provide that pertinent information. Am I wrong in assuming this? Also, one last question, if the collection agency decides to sue, and sends a summons to the Idaho address (which is parents house) and obviously being that I don't live there, do they have to revoke the summons or whatever and re-serve me down here, meaning that now instead of going to court in Idaho, I would be required to go to court in Arizona? Guess I found so much information online (which is a godsend with the amount of info out there) but can also be overwhelming because there's so many different posts. Anyways, thank you for any replies, I appreciate it.