Thanks D-Dog! Great in-depth info from sui juris. I need to send a
response to one "collector" very quickly but have a little time on others.

I was placed in this "debtor" situation by trusting, and believing, a friend, and paid an outfit in FL $4,000 to "eliminate" some debts for me. Appears now it was a ripoff - but will work on that later. Right now just interested in doing it myself as quickly as I can. Any info you can pass on will be deeply appreciated. This forum is fantastic!

hermit