Can I be sued by debt buyer for debt that was paid off to the original creditor in a settlement agreement?

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Can I be sued by debt buyer for debt that was paid off to the original creditor in a settlement agreement?

I am being sued by a collection agency that bought my debt for a debt I paid in a settlement with original creditors. The only proof I have of this is my bank statements showing original creditor took 12 exact amount payments from my account. My mother can state that she heard the settlement agreement arrangements when it was arranged over the phone.

Asked on August 13, 2012 under Bankruptcy Law, Colorado

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

No you can not but you are going to have to do a lot of leg work here to help yourself.  You need to contact the original creditor as to the debt and payment.  Hound them.  Every day.  Ask to speao to supervisor after supervisor and then the supervisor of the supervisor.  You should have gotten a satisfaction after the last payment.  In the meantime you need to ask the collection agancy for validation of the debt ASAP - like today - by certified mail return receipt requested.  The bank statements are a good start.  Mom and an affidavit as well.  Good luck.   


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