Thanks Marie! Do I need to outline the validations when I file? I need to do some homework in case i do...i will also research other Small claims links for advice on HOW to file...I won't even send them a demand letter, just slap them with a court date! Anyway, yes, my dh was intimidated! He disputed on the phone with them, and they told him he needed to pay or else his credit would be ruined indefinitely (can you believe that?) i had to educate DH..... if you guys have any links to previous posts on filing small claims...let me know! THANKS AGAIN MARIE!!!

__________________
EXP:583 (537 2/02)
EQ: 539 (502 2/02)
TU: 511 (512 2/02)