mathis9394 Posted January 20, 2008 Report Share Posted January 20, 2008 Hello! New to the site, so dropping in to say hi and to post a question. Received a collection letter in the mail last week stating that we have a bounced check in Florida. This comes as a surprise since yes the check bounced but the funds were withdrawn within the week. Now its 2 years later, the account has since been closed and we have never been contacted by any one. We have moved from in the past two years and are currently living in Wisconsin. My question is do I dispute this debt? My husband is concerned because we have no record of it being paid. But I believe contacting the bank and requesting old statements will help. We are trying to straighten his credit out to buy a house and this would put a further dent into it. Input is most welcome and appreciated! Thank you so much! Link to comment Share on other sites More sharing options...
dpgirl Posted January 21, 2008 Report Share Posted January 21, 2008 If I was you I would do just what you list. Contact the bank and request the statement showing that the check paid and send the copy back along with the dunning letter. Make copies of everything and send it CMMR. You could DV and go through all that but if you are trying to obtain a mortgage, it's up to you, but I would just try to get everything done as quickly as possible. Are they saying you never paid at all or are they after NSF charges or what?If they only want NSF charges maybe you should just pay them get it done with and get your mortgage loan funded..... Link to comment Share on other sites More sharing options...
gator944 Posted January 21, 2008 Report Share Posted January 21, 2008 I wouldn't think that if the check was redeposited, they could collect anything. In the two states I've lived in, Florida and North Carolina, the person or company in receipt of the check has two choices when it is returned: redeposit it or hold it and demand restitution for the check and fees. I am quite certain there is no combination of the two.Did they include a copy of the check with their request? Did they have it hold today's newspaper in the picture to prove they are still in posession of the check? LOL....just kidding, or am I? Link to comment Share on other sites More sharing options...
mathis9394 Posted January 21, 2008 Author Report Share Posted January 21, 2008 The CA is Hall and Associates and they say they are a firm representing Mirand Response Systems Inc and they are willing to settle for 225. It's from a check that was returned unpaid, that all the letter states no date or any information besides what they will settle for. It just blows my mind that this is over 2 years old and we have never received anything from anyone. Honestly, I have a very funny feeling about this. I thank you though for your responses and will keep you updated! Link to comment Share on other sites More sharing options...
gator944 Posted January 21, 2008 Report Share Posted January 21, 2008 DUDE! Have them send you a copy of the check they are holding and all pertinent information showing they are authorized to collect. This could be someone who downloaded your name from a database. Link to comment Share on other sites More sharing options...
mathis9394 Posted January 21, 2008 Author Report Share Posted January 21, 2008 They are called Hall and Associates, they are based out of New York. Link to comment Share on other sites More sharing options...
mathis9394 Posted January 21, 2008 Author Report Share Posted January 21, 2008 DUDE! Have them send you a copy of the check they are holding and all pertinent information showing they are authorized to collect. This could be someone who downloaded your name from a database.OMG! How in the hell can they do THAT? Link to comment Share on other sites More sharing options...
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