It is illegal for a collection agency to ask for post dated checks, unless they notify you prior to depositing each and every one. That is a violation of the FDCPA. If they didn't, I would send them another letter advising them of such. Then reitterate that you will not talk to them by phone every thing must be done via mail. At this point, when you send them the letter advising them of their violations, I would also send a validation letter. Make them prove to you that it is your acct. even tho you know it is. Screw 'em. I have played with gulf states 3 times now, and every time they deleted the accts from my reports, and 1 acct. they ate.