Thanks for the inputs... already got most of the answers. The clock on the debt does not restart until you make a payment. also it can not be put on your credit report until you start making payments. Talked with a few folks at the Att General's office and the banking commision here in Phoenix.. Also a local TV station did an article about these "Ghost Debts" that are way past SOL... Seems like there has been an increase of these agencies trying to strong arm people to make money on old debts they bought for pennies on the dollar.