1. Original creditor contacts you. 2. 6 months go by and they send it to a debt collector 3. 3 months go by and the original credit has the debt and contacts you. 4. 3 months go by and they send it to a debt collector etc, etc. And I also noticed that while it is in the hands of a debt collector, the original creditor will not deal with you and insist it was sold off. However, if you want a few months and the debt collector is unsuccessful (send them DVL etc), then they will again talk to you. I'm hoping to settle this before the lawsuit starts, or they win a default judgement on me since I could not locate the court records... thanks again for your advice!