Follow the advice given about focusing on the home purchase. I would not even reply or otherwise discuss the situation with the collection agency as it seems that in your state they can not legally sue.I like your stand about paying your debts.After completing the purchase (way to go!) then you can discuss with the collection agency possible payment. I, unlike others, have no issue with paying them vs. the original company. They have bought the debt and it is likely they bought it for less than 10 cents on the dollar (0.05 to 0.07 is my guess). Bargain with them so that you get a good price.John
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