Back in 1995 I bought a car that was financed through Chrysler Financial. The car was involved in an accident in 96, it was not my fault, and the other persons insurance cut me a check for close to 8 grand. The check was made to me, not Chrysler, the car was totaled. I cashed the check, with the intention of trying to settle with Chrysler, but did not. I never paid them back, and eventually they gave up, they never sued me, they only put a bad mark on my CRA with a notation that 7k was charged off! Thats the last I hearbbd about it, I disputed the trade and got it removed from all 3 cra's. I was NEVER SUED! Today in the mail, I got a letter from CREDITORS INTERCHANGE, a collection agency in NY. They say that my debt with Chrysler Financial for $7978.55 has been placed with their office. HAS THE SOL PASSED for legal collectability? The date of deliquency after the wreck was in 96, and I live in MD. Obviously chrysler wasnt too interested or they would have sued me. It has been 5 years, will a cease and desist get rid of my problem. Any suggestions?