Okay, here is my situation and I need some advice. I took out a credit card in 2001 with a credit Limit of $850. The credit account was sent to collections in 2001. Currently, it is June 16,2006 and my mom received a call at her home and her new husband received a call at his work on his voice mail saying that a law firm agency by the name of VRM was trying to contact me regarding the old account and I needed to call them. I called them and they were demanding $1300 immeadiately to settle the account from $1800. I tried to see about obtaining a loan from a family member but no one could help. I called them back and said that I didn't have the money and if I could work out a payment plan and they refused. I currently live in Charleston,SC and am a student. I have no assests other than a car that is valued at less than $1500 and my only job is work study through my college at the moment. I read that the South Carolina statute of limitations is 3 years to pursue an open accounts and 10 years on written agreements. I can not afford a lawyer and the collection agency that is contacting me through their "lawyer" is leaving me messages that they are going to bring a lawsuit against me for $1800.00. I made $2200.00 last year in income. What are their chances of getting anything out of me? I am not married but I live w/ my fiance who is my sole means of support right now. I am tired of the stress and wold love to get some answers! Can anyone tell me if I can use the SOL reasoning if they take me to court under South Carolina if the account went into collections in 2001 to get the case dismissed? With me being a student w/ a income from 2005 as $2200 and No ASSETs to my name, is there any chance the case will be throwed out? Any advice appreciated!