Debts and Credit

I settled a revolving line of credit back in 2003 with a collection agency for a lower amount then what was due to resolve the debt. On my credit report it states account settled. I just received a letter dated 04/09/07 from A Law office in CA that they are collecting on that very debt. it looks like it is for the remaining balance that would have been due if I had not settled my account. Is this legal? All my paperwork states the account has been settled. My credit report shows account settled with no balance due. I have even bought a house since all this has occured.

My husband is terminally ill. Will I be responsible for debt in his name only when he dies?

My son's father-in-law sold a vehicle for us. He took the buyers check to their bank and cashed it, he then wrote us a check from his business acct and it bounced. He told us he would get the money to us, but we are leary as to when if ever that will be. What can we do, the check was for $8000.00, our bank sent us a copy of the check that they tried running thru 2 times.

My wife just had emergency surgery. She does not have medical insurance. The bill is around $20,000. I plan on sending in a monthly payment until I get it paid off, but the hospital says that I have to take a loan to pay it off if it's not paid off in 4 months. This means I would have to spend a lot on interest. Now, I can't just magically make that much money appear in the next 4 months. My question is can they make me take a loan to pay it off?

Can a cell phone provider legally charge a penalty for getting out of a 2 year contract early for loss of a job?