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jkdup2
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I am in Illinois. I have a collection account on my CR from an IC System. I checked Illinois, and I don't find them being licensed. I would just like some reassurance that this is correct before I pursue this matter.

Thanks alot. I am a relative newbie. I would hate to look like a big fool.

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You will need to check your State's laws to see if a license is required. Then, if one is, you will need to see if they have one. Either way, you can still send the DV letter with the limited C&D to slow things down until you get all of your information in line. Since you did not explain your situation, it is hard to determine exactly what your needs are. You can give us a brief w/o disclosing any personal information so we can look at your whole picture.

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