1) I had a Discover acc., but it is now with a CA. I am getting bills, mail, etc from both Discover and the CA that Discover had signed it over to. Is this legal? Can they do that? 2) I had a cell phone with T-Mobile. I cancelled at the end of my requirement. Paid final bill. T-Mobile sent bill saying I hadn't pd. I had it pulled from my checking acc. and have bank records showing this. I called T-Mobile..long story short, I faxed them copies of my bank transcripts...3 TIMES!! They have now sent it to a CA. Which is rediculous. I have PAID it. I have been talking with the CA...and he assured me that it would be taken care of, that T-Mobile is slow. I have since then, after talking with him 3 times, gotten several bills more!! Any advice?? Should I send a letter instead of doing it via phone? 3)I had sent my 1st validation letter almost 30 days ago. My understanding is that if I don't receive validation within 30 days..I need to then send a 2nd validation? I have not heard from them at all. 4) Probably a stupid question, but what is estoppel?? I have read it several times and think it is a letter if there is no response? And what does it mean or stand for? Are there letters for this? Thanks, Sorry so long winded. Between life and reading sooo many things on here..I just want to do it right the first time!