Debt Collection question

Damn, that sucks, but prob would be a better question for a lawyer...

 

Are you using the same checking account when you were in the military? If you were..they would've automatically withdrawn the funds from your account. Sounds fishy that you're getting a letter two years later. Do your due diligence to make sure it's a legit bill. If it is, pay it off. Not worth having your credit damaged over a small amount.

 

Send Refman a message he is a bankruptcy attorney and our resident expert on these issues.

 

Why not just call the number and ask what the amount is for?

 

*I'M NOT A LAWYER*

I haven't dealt with the government, but this could eventually deal with those slimey collections assholes. You don't have to admit debt when you're verifying the debt is yours. Cover your ass two-ply. Calling is fine. Do it, but know that there's no tangible proof of he said, she said. While getting your intel, send a certified letter with written questions in response to the debt to verify that it is yours.

You're not in such a bad shape. The only problem is that the debt accrues interest as it goes down the chain. So if it's legally yours, then you'll eat that little bit of extra money.

Those ****ers know that, so they give you the least amount of info to intimidate you into paying off something you might not really owe. You have your rights. Firmly contest it with a paper trail.

Also , even if it's yours, they may not want to negotiate with you, but eventually some party will. I'm dubious on paying all of that 3k when it sprang up from nowhere.

That last part you should explore legally or get a consult with someone who knows the system.