I was reading your complaints and read one submitted on Mar 08 this year from Lisa. She stated: Now, 2 years later, I get a bill stating to the effect that "in view of the tax season, our client is willing to reduce your balance by offering you a settlement." I have received one almost exactly like hers. I paid in full and closed out a First Premier SD $350 pre- paid credit card account almost 8 years ago. About two months later, they sent me a bill for "fees" totalling $167. I refused to pay these fees because I had paid the card off. So they sold my account to Arrow Financial who continued up until the end of last year to call, write and threaten me to collect the $167. Now Arrow has apparently sold the debt to Northland Group Inc. Now, this bill is over eight years and I do not feel it is a legitimate debt. I have answered their letter online, and told them I am not obligated to pay this bill and don't intend to. i feel this is a fraudulent practice to sell a debt and keep trying to collect and report it well after the amount of time the debt should be carried by creditors