Now I'm confused. I thought I was supposed to send a 15-day letter. The estoppel letter I think states that since the CA hasn't responded there violating. They did respond, So what are my options? I read on a web-site yesterday that broke down the whole estoppel letter. Basically, bashing it, and how credit boards advise consumers to use it. It seemed to really attack it. These aren't my words. I'm just trying to learn. If it works, Ill definitely use it. I just don't want to open a can of legal worms that may haunt me. I appreciate any insight..