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Old 10-04-2012, 10:57 AM   #36
Jessie James
Scooby Specialist
Member#: 2072
Join Date: Aug 2000
Chapter/Region: MAIC
Location: Out of my mind

Good info has already been posted. I'll agree that you don't need to pay additional fees. You don't need to pay this at all either.

If you DO decide you want to play ball with the collection agency, the simple (and legal) solution is to send them a letter via certified mail asking them to "validate the debt" and "provide a copy of the original application I signed, with my signature clearly legible, as well as a copy of every invoice sent to me, and a copy of every payment received in the form of a photocopy of each check I sent - if any - or credit card payment receipt." Let them know you will also only pay the original amount of the debt, and will not be paying any fees or fines.

By law the collection agency has to provide you with a copy of every bill/payment made to the account, as well as the accounting of all figures, so you can determine the correct amount to pay. So they will have to go through each bill, add and subtract payments, fees, and interest, etc., and then give you the correct balance, AND prove it's your account.

You have 30 days to respond and ask for this, and they have 30 days to produce this. They won't do it because it's way too much work and they obviously don't have access to it anyway.

My advice - wait until they put it on your credit report. If they do (unlikely) they go after them with your demands.
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