Collections On A Paid Bill

What if a debt collector is trying to collect on a bill you've already paid? Learn how to to handle collections on a paid bill.

How is it possible that a collection agency will try to collect a bill you've already paid? Two examples of how this can happen:

  • You settled a debt for less than the full balance but the collection agency didn't note that fact and sold the balance to another collection agency,
  • An old debt has been sold to more than one collection agency, due to sloppy recordkeeping.

If a bill collector contacts you about a debt you have already paid, keep in mind the Fair Debt Collection Practices Act gives you the right to dispute the debt. We recommend you send a letter to the collection agency stating that you already paid the debt. Send your letter by certified mail and keep a copy for your records. If you have proof you paid it, then include that. But if you don't, you can still dispute the debt.

If they continue to try to pressure you to pay the debt, get a free consultation with a consumer law attorney to discuss your next steps.

By law, collection agencies are not allowed to misrepresent the character or status of a debt.

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