I am being charged 2,500 by a local dealership who turned it over to collections. The collecting agents filed it on my report in feb. 2010. I saw on my credit report that it was due for deletion March 2016. They have re-filed and it's got a new date of jan.2, 2016. Is this legal? Btw, the 2,500 is for a check that I feel I was coerced to write (it did not clear)after the dealer let me take the car and promised to use my old car as a down payment. They never mentioned the car again.