I told a buddy at work about it and he said a friend of his moved here less than a year ago and received a similiar letter. His friend called his old insurance agent to find out if there really was any unpaid premium and there was not. This person just ignored the notice and never heard anything ever again. Well..I called my old insurance agent and low and behold there is no balance due on my account either. I even called the national office just to verify and they also agreed that there was never an outstanding balance and they had not sent it to a collection ageny. Here is my take on the situation: This particular scumbag colllection agency is scanning records over at the DMV. They find out who your old insurance carrier is, even get the policy number from the DMV (are they public records?), and send you a notice saying you owe money and wait for you send it in. If you protest or don't pay I bet they just drop it. When I first received the notice I almost paid it...but after reading these boards I instead decided to send off a validation letter since paying is an admission to owing the money and I really don't need anything negative on my credit report. The name of the agency is: www.ccspayment.com Credit Collection Services Two Wells Avenue Newton, MA 02452 1-800-775-8220 Two questions for you credit and perhaps legal experts out there: 1. Do you think there is any way that they received a collection account from my old insurance company by mistake? 2. What should I do? If this is really a scam should I report this to the Attorney General...could I sue them? Let me know if you have ever heard of this before...I would welcome any comments or advice on what my course of action should be. Thanks!!!