Question: A secondary collection service collected funds from me for another agency, which I payed off in full, but last month I was going to increase my visa limit and found out that they now have another collection against me which they claim is interest. I never received any letters or calls to my place of work after the full payment. Who can I contact legally about this, and what are my chances. Thanks for the help.
Answer: You should start by contacting the original creditor (not the collection agency). You should also contact both collection agencies with proof of payment. If you are not able to resolve the matter directly with the second collection agency, it is possible that they may take legal action against you. If they do, be prepared to bring proof to court that you paid the debt in full. In most cases if you present the proof to the collection agency they will correct their records without the need for you to go to court.