I needed to know about some of my rights regarding a loan

Do you happen to have old bank statements, or could you obtain them from the bank? Then you could see if the bank archived copies of canceled checks and have proof that you paid. This is the best way that I see to do it, but someone else may have another option shortly. :-)

If you paid them, them it's up to you to prove that you did. Contact what bank you had at the time, and speak with them in regards to this. They may be able to get you a copy of the paid check. Is it possible that you send them a check, yet it never cleared?

I would call the University, and explain the situation. Let them know that you believe you paid them, and need to contact your bank for your 2001 records. Tell them you'll need time to investigate this, 30 days.

In the meantime, send a cease and desist letter to the collection agency. Inform them that you are working with the University on this matter, and will not be dealing with the collecition agency.

Great idea Kelly, to contact the CA and let them know that the matter will be taken up with the University. It is possible that the check didn't clear. Karen, did you notice having extra money in your account around the time the check should have cashed through? It was around Christmas, so I wonder if the check didn't clear through and the extra money wasn't noticed because of the season. I know it would have been an easy mistake to make. Best to contact the bank and verify and get a copy of the canceled check if at all possible.