First and foremost I have to graciously thank you for all of the worthwhile information found on here, it looks as though I have alot of homework to do before I make my attempt to repair my lackluster credit. Furthermore, I'm not sure if you regulars know this but I found this board by cruising around a bitter collector chat board. Here's where you're listed. I figured knowing the enemy was my first step to understanding collections. http://www.collectionindustry.com/forum/messageview.cfm?catid=11&threadid=5084 Now that I have completed my first post, graduating from curious lurker to *hopefully* regular poster status, I have a few quick inquiries. When is it appropriate to start issuing FTC, BBB and AG complaints? *and* I found the SOL but I cannot find definitions for the debts listed, can someone link me?