AT THE AGE OF 15 I replied to a add about free books.
4 years later, I receive a collection notice from rjm.
i live in north carolina . the show a nc dep of insurance permit of 3952. my mother said she took care of this and mailed books back over 3 years ago.
we dont have any documentation. what can i do about this. i am a law student. cant afford to hurt my credit. paying the $120.00 would be difficult for me.