I paid my bill off in full over 5 years ago and this company has sent me letters say i still owe money but they are will to take half now and call it a day. There are acting has a 3rd party to collection.When we offered to pay they said they couldn't take a cashiers check from my Bank, then a red flag went off in my head. then the man told me he wanted me to wire him the money in one hour. Also the letter I got in the mail has two different address on it, one for the company and one to send payment to...?By the way the collection is for a cell phone(t-Mobile)who has told me they have no record of me owning any thing to them as of June 2004 this company is a fraud!!!