Expert: Chris Ebert - 8/29/2009

Question
I paid a charge-off in full; and I do mean FULL: 100 of the fees; 100 of the interest; 100 of the principle; and all within 12 months of the charge off date. I verified the paid-in-full status with the CC company... twice.

Now, 6 months after the fact, I'm getting harassing calls from a sleazy collection agent: Allied Interstate. They claim I owe the CC company hundreds of dollars. I called the CC company back a third time, and verified once again that nothing had slipped through the cracks. Indeed, I have a zero balance.

It seems to me that if I can subpoena the CC company's records, proving that they hired AI *AFTER* I paid them of then I have them dead to rights. Where am I going wrong with this logic?

Thanks,

Paul  

Answer
Paul,

Your situation is very aggravating. I think the simple solution is to get a paid in full letter from the credit card company and send it to Allied.

If you did want to sue you may have the right to do so. However, these type of lawsuit usually payout very little in damages.

Chris