WE have been getting nasty phone calls and demanding letters from 2 different CA's that say they are collecting for Sherman Acquisitions. Both of the accounts are or were Sears accounts.. One regular Sears card and the other a Sears Master Card. Both of the accounts were opened in 1997. I have letters from Sears dated 10/99 stating that the accounts were 3 months past due. No matter how hard we tried we couldn't work anything out with them so we signed up with a Credit Management Agency, thinking that we were going down the right path. My DH was forced to stop working in March 2000 for medical reasons and is on Social Security Disability. He is also a Disabled Vet and is listed as 100% total and permanently disabled. We stayed with the CMA until 10/2001 when we realized that we were getting nowhere fast. Since our only income is his SSDI, VA Pension and a small pension from his former employer, we have not made any payments, and are not quite sure what to do about these Collection Agencies that are coming after him. We moved from NY to Florida 2 1/2 years ago in hopes that the difference in the weather would help him. What would be the best way for us to handle our situation. What can they do to us, etc: Sorry to be so long winded.