What can I do about a debt that has been paid off but keeps being sent to collection agencies?
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What can I do about a debt that has been paid off but keeps being sent to collection agencies?
I paid off a debt to US Bank a few years ago but still receive phone calls from collections groups. I have faxed the paid in full notice to 3 or 4 now, but it doesn’t go away. Is it harassment, and if so, what can I do about it?
Asked on July 13, 2011 under Bankruptcy Law, Arkansas
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
If the debt actually has been paid off in full by you, you need to get something in writing from the entity or person who was entitled to be paid showing that it was paid in full and the date of it to resolve contact by collection agencies if you do not have such documentation.
Was the debt a judgement owed by you? If it was a judgment, do you have a signed and recorded satisfaction of it by the entity or person that was owed the money. If the debt was based upon a judgment and you have no recorded and signed satisfaction of judgment, this may be the root of the problem.
There are laws in most States in this country protecting people against improper collection practices. There may be such in Arizona. The county bar association where you live may have a program to help people like you as a general service. Perhaps contacting it for further guidance and instruction to resolve the collection groups' calls about an old debt that was paid off.
Good luck.
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