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I am on Medi-Cal and should be receiving foodstamps within the next week. My income is very small right now, less than my 1000 outlay. What must I do to recover my account(s)? Any extra income that MAY come to me (Paypal) is dependent on my authorized checking account. I'm very concerned these established accounts will be permanently "contaminated," and don't know if it's advisable to contact Paypal to see if I can open a secured credit card. I haven't received notice from BofA and have no idea how Mandarich plans to satisfy the debt and/or "un" attach my accounts. It's conceivable I could manage to pay $50 per month, as they hint in their letter, but have read it's best not to offer to pay to avoid a debt collection that might remain unresolved. Should I file a hardship claim with my bank? Does Mandarich have the authority/ability/motivation to unfreeze my accounts to enable me to earn and pay? So far, I think only the legal fee has been charged by BofA (probably will end up being $100 for each account, both of which are empty) but no principal has been collected, since it's not there to collect. shizz. BTW, I'm not positive, but I believe this debt is out of the statute of limitations (closed in 2007) but of course the suit was filed, so I guess the court deemed it ok to sue. How would I document limitation? when it went into collections? Dunno Thanks so much for this forum - I'm putting out fires and pulling small amounts of money from anywhere I can to pay my rent, etc. So I'll be in and out, but again, thanks! Edit: I checked my Credit Karma report - the account was closed in 2007. My limit was 1100 and the highest balance is stated at 3400, which it never was while BofA held the account. With fines or late fees it went up to approximately 1600. I assume the high number *somehow* reflects the full value the collection agency has assumed. Does anyone know about the statute of limitations that might help me respond to the collector? I realize I still owe the money, but if it would help me get my bank accounts released I would be able to function.