I ordered some merchandise from a mailing company called Collections, Etc. They employ a company called Certegy Check Services to provide them immediate payment on any checks that are sent in as a means of payment. I was at Albertson's Grocery Store and when I went to write a check it was declined and the woman handed me a card with contact information for as she said 'Our Customer Service Department' What she really handed me was a card for their collection agency. I called Certegy Check Services and after asking me a ton of questions I inquired as to who they were and why did they want all this information. It was then I was informed of what is called a 'mini miranda' in the collections world. What they didn't know was that in waiting as long as they did to identify themselves, the had violated Colorado State Collection Laws. They were trying to collect a debt for a check that I had written 9 months prior to the date I called. Well, after speaking with my bank it turns out that Certegy had never posted the check to my bank account for payment, so therefore they have me in collections for their mistake. And I'm sure after this long that it is now on my credit report although the incident was through no fault of mine. And they have yet to respond to the letter I sent them along with my letter from the bank.