The letter stands alone, Robin, but it's been elaborated into a sequence by betacredit and others. Here's a link to the full sequence ("nutcase"; then betacredit's "son of nutcase" and follow-up #3): http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=160448#post160448 When I posted that full sequence, though, on April 2, I accidentally included version 1 of the letter. I had posted a better revision (version 2, lol) earlier on March 14 -- it includes a reference to the Nelson v. Chase case. So, use this as letter #1: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=153707#post153707 Hope this helps. Doc