Collector Trying to Collect Settled Debt

by kay

i have had a credt collecter asking for paymenr but credit file say settled on credit file but still owe the money it state settled in 2007 and now after 4 years wanting the money can they do this

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Sep 21, 2011
Collector Trying to Collect Settled Debt

If I understand your question correctly, you settled a debt and the settlement is reflected in your credit file, but now a debt collector has contacted you wanting you to pay the debt. This sometimes happens after a debt is settled.

I assume that you saved the settlement agreement letter you received after you negotiated the settlement and any other communication you may have received confirming the amount of the settlement. Therefore, write a letter to the collector stating that you do not owe the debt he wants you to pay because you settled it in 2007 and attach to the letter copies of those documents, because they provide proof that the debt was settled. Make a copy of the letter for your file and send everything to the collector via certified mail with a return receipt requested.

If the collector continues to insist that you owe the debt, I recommend that you contact a consumer law attorney in your area who helps consumers resolve their debt collection problems. A letter from the attorney on his law firm letterhead stating why you do not owe the money may put an end to your problem.

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