1. I've been told that I could still be sued under MI's SOL. Would someone verify this, and isn't it harder to do so (for the creditor)? 2. A couple of collection agencies are sending me letters and have placed listings on my reports on these debts. Could I send them a cease & desist letter based on CA's SOL? Would this prompt them to give me a better deal? 3. What rights does the c & d letter give me? If it's prudent to send this letter to them, then would the collection agency be required to remove the negative listing? This is where I get confused with the 7 year rule. Sorry this is a lot to digest, but I'm trying to plan my moves instead of going at this blindly! Thanks in advance for any help you guys can give me.