[Jhohanna]

HEH! Timely, I'll say... THANK YOU!!!!!!! This just happened to me. I got a letter that was for 3x what I originally owed, and it was paid over 5 years ago. The debt was incurred over 9 years ago. LMAO. I've already had it taken OFF of my credit report.

But what are we really supposed to do? I don't even think I have PROOF that I paid off ANOTHER debt collector that had bought the loan - anymore, because I got it off of my credit report?!?!

[TXBSAFH]

Send a letter return reciept requested. Saying you have no knowledge of the debt and that it is past the statute of limitation (check that, but after 9 years. Cite the Fair Debt Collection Practices Act and ask that they stop contacting you in anyway. Then check you credit report every month for the next 6 months to make sure they try nothing funny.

[chris1]

ll you need to do is write a certified letter to the collection agency, keep a copy for yourself, disputing thew debt, notifying it of your payment, and threaten to go to the Attorney General and FTC as well as sue under the Fair Debt Act and they will leave you alone.

I do collection work myself and that sort of thing would scare me right off the case alot of times if the debt is old or small.