I have a collection that has been open since 1999 from American Agencies, I also had a BK that same year and my phone bill was included in it. they say it isn't and they keep updating it on my credit report, I don't know what to do I have faxed them the paper work and they say they had their bankruptcy specialist go over it and it wasn't included but sure enough it says pacific bell on it. They call my house and leave messages and then when I try and talk to them about it they just update it.