Need sample letter, to send to creditor to inquire about the debt I owe.

[GoingDown]

Indeed. You just hit a collection trigger.

Cash. It really is king isn't it!

Cash is nearly impossible for them to get their hands on.

They hate going after self-employed people who don't use checking accounts.

I stood in line at the bank branch upon which the check was written and cashed it. I stopped using checking accounts and savings accounts (even closing them all out) back when I feared being sued.