Re: Already paid a debt but still being asked to pay it by creditors!

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Re: Already paid a debt but still being asked to pay it by creditors!

by Jean
(San Antonio, TX, USA)

Ok so I already paid in full a debt with a credit card that I no longer use and I am trying to paid that credit card off that was used to pay that debt in full.

The problem is that the original debt I paid in full was done more then 5 yrs ago and they are trying to get the payment.

Now I do not have that paper work! So I don't know what to do!

And I know your going to say get the proof from your credit card company, but that card is no longer in use.

So what do I do? The amount they are asking to be paid back is the same amount that I paid off on my card. I can not see paying a company 2 time! Please I hope you can help.

Thanks for any help you can give.

Sincerely yours

Jean

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Re: Already paid a debt but still being asked to pay it by creditors!

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Mar 07, 2010

debt already paid
by: Gerri

Jean,

Thanks for submitting your debt collection question on our Q&A page.

While my initial reaction was to tell you to try to get proof from your credit card company that you paid the debt (I understand that you think it may not be feasible at this point), but after a little more digging, I am not sure it is necessary.

According to my sources, the statute of limitations for most types of debt in Texas is four years. I am not an attorney, and can't give you legal advice, but if you don confirm that this debt is outside the statute of limitations, then you should be able to put an end to this fairly quickly.

All you would have to do is write to the collection agency, tell them the debt is too old for them to collect, and ask them not to contact you again. They can't contact you again except to take legal action, which would be unlikely if the debt is outside the statute of limitations. (If they do contact you again after getting your letter, you can contact a consumer law attorney for help.)

If you go this route, please also file a complaint with the Federal Trade Commission (FTC.gov) and your state attorney general. They need to know what's going on with these collection agencies.

Yours is a good example, though, of why it is so important to keep good records of any debts you settle or negotiate with a debt collector. You are not the first person on our site who has complained about being contacted over a debt they already paid.

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Re: Already paid a debt but still being asked to pay it by creditors!

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Re: Already paid a debt but still being asked to pay it by creditors!