Dealing with debt collectors even though bill is paid
(Sioux City, IA)
We recently have had a lawyers office from New Jersey call us saying that we owe on a credit card from 2001. In 2002 we got a consolidation loan and paid off our credit cards so we thought that was weird and that we are just now hearing from them. They told my husband they were going to sue us unless we set up payment arrangements so he set up small monthly payments of $25 until we could get it figured out. We spoke to the bank that we received the consolidation loan from and recevied a cashed copy of the check we sent to the orignal credit card company to pay off the debt. We called the lawyer and they said that didn't matter because the company had not closed the account and still showed it and unpaid. The credit card company has since been bought out several times and now it owned by Chase. We called Chase and they said since it was so long ago that they don't have the orignal records of how much we owed so they can't tell us if the account has been paid but we could send in a letter with a copy of the check and they would investigate. In the mean time we are still receiving calls from the lawyer and we are not sure what to do to get this resolved.