Thank you (llecs) for the links to all that information and the acronyms. I read through all the that information, and while it seems there are specific recommended steps for each situation, depending on whether the OC (Original Creditor) has sold the debt, or still carries it, whether they or someone else reports it .... etc... the odd part of my situation, is that NOTHING was or is being reported. This mysterious balance with AT&T, that has JUST NOW apparently become a collection, ONLY came up when we walked into an AT&T store to purchase a phone. The clerk even stated, that it could be a mistake, and by-passed the flag (or whatever) that was on his screen. If we have not received collection demands before walking into the AT&T store, why and how does that make this even make any sense as a situation that I am required to follow-up on and clarify. This collection demand just now came up when we made a purchase. It's not a matter of who owns it, whether we can PIF or not PIF ... etc. What's the SOL on Cell Phone charges anyway?
