law office of M.N.Kay
General information:
If you owe a debt and have a letter offering a settlement and you pay, the creditor,eg, Macys,Fingerhut or the company that owns them are responsible to report it to the credit bureau not the law office or collection agency(unless they own the debt or the paper)
After your bill is paid get a LETTER OF SATISFACTION, This states what you paid, to whom you paid it and for what you paid. This can be your proof to the credit agencies if the account owners are dragging their feet on reporting it to the credit bureaus. Keep proof of payment until you are satisfied the issue is closed.If you paid a bill in full and a collections agency writes you to pay that same bill and you paid it and then found proof, get all the documents together,photocopy them and send it to the account owner for a refund.
Law offices of mitchell n. kay have been in business for a number of years, if they were doing deceptive and shady practices, they would have been shut down a long time ago. Lets face it, noone likes to be forced in paying a debt they probably cant afford at that time or that they plum forgot about. But someone has to collect it, as long as my rights are not infringed upon and total respect is maintained, feel free, do your job.