I had a $98 unpaid medical bill due to some insurance glitch. Now I am in the process of buying a house, to expedite the process, I had a pay for deletion letter signed by the president of the collection agency and then sent out a restrictive endorsement bank check. now after a month my credit report still shows the derog... What should I do? Can anyone offer me a sample threaten to sue letter? BTW, I am in NY and the CA is in OH. Any input appreciated!!!!