pitts! So glad to hear from you! I'm sorry about your other situation. That bites. And, you're very welcome for the letter! Use it, use it, use it! Take care of your more pressing business first, of course! And, yes, they might be sending you emails wanting to "settle" for reduced amounts because they know they can not LEGALLY collect. It happens quite a bit. Whenever you get the chance (and these illegal idiots can wait), send the letters to them. In the meantime, make sure your "real" life is taken care of, my friend. If you need ANYTHING, you just let me know!