About 4 yrs ago, my husband and I were completely in credit card debt. We went through Persels and associates. I know what you’re thinking, NO DEBT CONSOLIDATION LOL! Anyway we were well on our way to being debt free.
This past June, we paid off our last creditor. It felt so good! Well, I am now receiving mail and phone calls from ANOTHER debt collector saying that I owe $3000 to one of the creditors I had paid off with Persels.
I talked to them and they said I need to produce a paper saying the amount paid with credit card account number etc. I thought that would be easy but now I can not get in touch with Persels and associates by any means! I need help! I need to know what the next step is! Thanks.
Without the proof and documentation that you made the payment and what the agreement was, I’m afraid you don’t have much to fall back on to show as proof that the account was settled. Persels should have provided you with copies of all the agreements when they settled your debt.
You might want to contact CareOne who worked closely with Persels and see if they have any way to assist you to get the correct documentation. They might at the very least have some idea where the client records are now.
While the debt might have been settled under a written agreement, if the creditor didn’t keep it, didn’t properly notate the account, and sold it on to a third party without the documentation, ouch! You’ve got no proof if you don’t have the documentation.
But it also means the collector might not have the documentation necessary to validate your account either.
If you can’t get anywhere with the documentation, contact a consumer attorney to defend yourself and help you to validate the debt or determine it is now outside the statute of limitations.