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Hi everyone, I was planning on lurking longer before making a post but I received a collections letter in the mail this week and I need some help. in 2007-2008 I had some financial troubles and ran up two credit cards. Before I found CB I had no idea what I was doing and I made every mistake in the book with my HSBC account. I ignored everyone until I got sued, showed up in court alone and unprepared, accepted a judgment against me for the full amount, and then spent the next year paying off the full amount of the original debt, court fees, and interest. I'm trying to not make any mistakes with the second account, which was with Bank of America. My last payment to them was in April of 2008, the account went delinquent the next month, and I never made another payment with them. The statue of limitations for Pennsylvania is four years, so the debt became time-barred in 2012. This week I received a letter from Dynamic Recovery SOlutions in Greenville, SC. From searching around on CB they appear to be a JDB and going after time-barred accounts with ridiculous markups seems to be their MO. I believe my best course of action is to send them a FOAD letter. Is that correct? If so, please critique the below letter I typed up. If it's not correct, I'll be happy to hear any other suggestions. And then I send this out CMRRR on Monday?