I plan on sending two letters on Monday, one a validation letter which I have a sample copy of and one a cease and desist letter which I also have a sample copy of. The sad part is that by the time that validate the debt I should have enough for their settlement amount as my husband is back to work and making very good money right now. I am calling a lawyer on Monday also because she mad me so mad when she suggested I shouldn’t be feeding my kids first and told me she wasn’t waiting for “tax time” just because I had gone and had all those dependents (we have 4 including my stepson). That right there to me is discrimination on top of abuse. The lawyer offers a 20 minute free consultation so I’m taking it. Thanks for all of the information.