If you defaulted on a payment and they closed your account you still owe the money. If you paid the debt off and are still getting calls from collection agencies you have the Fair Debt Collections Practises Act on your side. Under this consumer law you can send a letter to the collection agency asking them to cease and desist collection efforts. They have one more phone call to you to acknowledge your request. Say thanks have a good day and hang up. Don’t talk about anything else or it opens up the door for them to come at you again. If you have not paid the debt make some payments to the original creditor and document them. A great book on this topic is “How to Get Out of Debt, Stay Out of Debt and Live Prosperously” by Gerald Mundis. (spelling may be with a J on his first name) It helped me tremendously with my credit cards.

buddhibbs.com

look wake up and smell the roses — you owe the money — strongly and i mean strongly suggest you answer these letters and get off your **** and pay this off!!!