Thanks guys for the time and replies yesterday, but I finally solved it myself. Here's the answer I found after googling for a bit. It's on the FTC site. I'm posting this in case it will help someone else in their medical collection issues. http://www.ftc.gov/statutes/fdcpa/letters/wollman.htm This opinion letter from the ftc states that mere itemization of what the debt collector already has is NOT enough. So I'm going to send this to the collector and my demand for deletion on to the collection agency. This will be my third communication with them and I will be telling them to delete within 2 weeks of receipt or I'll be filing in small claims to . If they push me to small claims I'm seeking damages for my ability to obtain credit at favourable rates. Finally I will also be forced to seek compensation for time off work, and all violations of the FDCPA, no mini miranda on ANY communication, continued attempts at collection and they never altered the status to in dispute on any of my reports and finally they verified the debt while in dispute to both CRA's. If I go to small claims I'm hoping for the max of $5,000.00. Now as to the original creditor. If they send it back to him they now have ZERO excuse for no contact with me now. Then I can tell him they accepted assignment therefore I'm not responsible for their lack of competent billing staff. But if I recover my money I maybe generous enough to pay them their 120 out of the 5 grand I expect from the debt collector. We'll see!! Anyway thanks for trying to help folks. Jo
