PAYING OFF T MOBILE

I have a bill from Sprint. I cancelled them a long time ago. About 2 years now they are saying i have a 200 dollar bill. I paid them in full. I was like what is this. They said it was a cancellation fee. I said i was eligible since my contract was for 2 years and I was with them for 3. Serioulsy what is the deal with everybody trying to scam money out of everybody.

Anytime a 3rd party agency has your account, they are required by law to provide you with documentation. The companies mail out the initial statements when they first receive the account. They offered you a settlement of 500 because your bill was probably validated at 600 something. The letter you got was the initial invoice, not an updated reminder of your current balance. The best thing to do is call the company and inquire what the balance is. Once an account is settled, they are by law required to mail you a settlement letter stating the account has been settled and the original creditor cannot take any further action against you or your credit. Now... Lets say a month goes by after your last payment and you haven't received that settlement letter, its very important that you call back and remind them or even ask them to email it. ___CB

Carefullly read your contract with the OC, as it defines what you agreed to. You will most likely find terms of items in default. Unless they are in violation of some provision of your state civil code, they are most likely legitimate, and become part of the debt.
Some states place restrictions upon permissible interest that can accrue with debt collectors, so if part of what they are asserting is based on fees due to them, your state civil code is again the place to turn.
You have a contract issue.
The important thing is that when the last payment is made, you receive confirmation from them that the debt is legally satisified in full. Often the amount of the debt at time of default is not satisfaction of the debt at a later point in time. Make sure they report the current status as "paid."

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If you can't reach DCI by phone, please email us at [EMAIL="Consumersupport@dcicollect.com"]Consumersupport@dcicollect.com[/EMAIL]
Thank you!