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Question

Date: Fri, 05/15/2009 - 09:25

Submitted by kaylasgonzalez
on Fri, 05/15/2009 - 09:25

Posts: 4 Credits: [Donate]

Total Replies: 8


I'm being called by the Academy Collection Service saying that I haven't paid some debt I have.
It's really small (around 1300.00) and I know I paid it a couple years ago, but I have no proof.
I might be able to show it via bank statement but I'm not sure yet.
I'm just wondering I guess how to handle this. If need be I can pay it off again, just slowly with current economy status (I just got laid off last month)
Any advice would be great. Thanks.


Send them a certified letter requesting they validate the debt. If you think you paid it, make them prove you still owe it. Here is a sample one for you to go by. I would also pull a copy of my credit report and see where exactly you stand with this debt.

http://www.debtconsolidationcare.com/forums/debtverification-letter.html


lrhall41

Submitted by RoxyNY on Fri, 05/15/2009 - 09:33

( Posts: 4178 | Credits: )


never ever pay these scumbags again just to make it go away..thats what they thrive on..send a debt validation letter..check your credit reports..cease&desist is always nice to..if the debts outta sol in your state, foad letter works great too! but if you have indeed paid this debt-fight these debt buying fools!!


lrhall41

Submitted by on Fri, 05/15/2009 - 20:58

( Posts: | Credits: )


So looking at the two other credit reports, they show a negitive balance.
One of which is CITI whome shows I paid off "Account legally paid in full for less than full balance. "
The collections agency is trying to get money on behalf of CITI, would the account numbers match up if they were the same account issue? Which they are/should be but I'm unclear on how to read it all.


lrhall41

Submitted by kaylasgonzalez on Mon, 06/01/2009 - 14:19

( Posts: 4 | Credits: )