This message is for Cajunbulldog, Bossy 445, or anyone with legal insight who can give me advice on my situation.... I live in Ohio, and am currently in a collections situation with a mail-order company called Sheer Cover who I ordered and received 1 initial package from them almost a year ago, but then they put me unknowingly on an auto-ship program for makeup which packages I've never received and I've never signed for. They are now having SKO Brenner collections send me letters to collect $225 for makeup I never ordered or received. I disputed the charges with my Visa, told them I didn't receive the packages, and that I had cancelled the autoship service I never signed up for. So my Visa charged back the charges to Sheer Cover, but Sheer Cover claims they have USPS tracking delivery numbers that prove it was delivered to my mailbox or porch. But as I said, I've only received the first shipment I ordered, and I've never signed for any of the autoship packages they claim they sent afterward. When they turned it over to SKO Brenner collections, I received a letter from SKO about 2 months ago so the 30 days to dispute it from the date of SKO's initial letter to me is up - but can I still dispute it with them or is it too late now? I haven't talked or written to SKO yet, until I know my rights and the best way to proceed at this point, but I'm sure they will be trying to call me soon. I live in Ohio. I have excellent credit and don't want this ruining it. I pay bills I owe, but not for things I didn't order and didn't receive. Thanks for letting me know.