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David F · Posted: Sun Aug 17, 2008 8:50 am Subject: Claim on paid account

December 1, 2007 I posted a check for my mother for her Visa account. I made this payment in full to collection agency Titan Management Services LLC. The check was cashed but I did not receive a confirmation.

This week my mother received a new claim for the same debt from a different agency; Island National Group.

Could you advise how we should proceed with this?

Many thanks!

David

Posted: Sun Aug 17, 2008 8:53 am Subject:

Welcome to the community David. First I would suggest sending them a debt validation letter along with a copy of the processed check (with personal information such as account/routing number and signature redacted. Let them know you had paid this amount and make them prove their case. You can find a good template for a validation letter via my signature link.

David F · Posted: Sun Aug 17, 2008 9:06 am Subject:

JCEMT,

Thank you for your response. I will follow your advice.

David

Posted: Sun Aug 17, 2008 5:49 pm Subject:

JCEMT, Either way if this debt was paid the new collection agency wouldn't have a claim, correct?

Posted: Mon Aug 18, 2008 8:26 am Subject:

If the debt was paid in full they would have no claim. If the debt was settled in full for lesser than owed and at the time of settlment you did not get a settled in full letter then they could make a claim for the remaining. I would still folow JCEMTs advice and dispute it now so it doesn't haunt you later on. I would deffintely send it in writing return receipt but I would also follow up with some phone calls after they received your written communication.

David F · Posted: Mon Sep 01, 2008 5:33 pm Subject:

Dollar and Since,
You are right! It appears they are trying to get the difference between the settlement amount paid and the amount of the original debt. I am sending the original settlement letter plus proof of payment. Hopefully this will do the trick. Thanks for your help!

KIMILI GILMORE · Posted: Thu Oct 23, 2008 6:15 pm Subject: TITAN MANAGEMENT

I PAID THIS ACCOUNT IN FULL AS OF JANUARY OF 2008 I BEGAN MY PAYMENTS IN OCTOBER OF 2008. I JUST RETREIVED MY REPORT & NOW THE DEBT IS ON ALL 3 CREDIT BUREAUS & IT SAYS PAST DUE & CHARGED OFF AS BAD CREDIT. WHAT CAN I DO I'M AM REALLY UPSET.

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