Everfresh, I am an attoney in S. Florida - you do not need to hire an attorney - get a copy of your credit report - if these incidents are 7 years old you can write to the reporting agency (Equifax, etc.) and tell them to remove it - they will - the only real thing these credit card companies can do you you is fuck with your credit - the only other action is to sue you but most figure you are broke and do not want to spend the money to file suit - you don't want a court to enter a judgment against you because then your assets are subject to levy.