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I paid by debt and still getting calls.

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Long story short.   I owed money to Kabbage.   I asked for a delayed payment which

they approved.   I paid the first payment.  Kabbage over inflated the balance do by 50% and  they sold the debt to another company.

I set up payment arrangements with them.

They sold the debt.  

More payment arrangement and another company take over.

So I stopped paying because my money was not applied to the loan. 

So finally it ended in the hands of H&S Financial group and they hired a local collections attorney. 

I was served papers.   

I'm on disability and have no assets so they could not have garnished wages.  

However, to get them to go away I settled with the attorneys office for 50%.

I paid an attorney to do this for me so it would be taken care of correctly. 

Have it all in writing and a discharge of the debt. 

That was over a year ago.

To this day, I still get calls for payment.   This was the reason I paid it.  

They call my son's office looking for me.  Apparently on the credit app 

I gave his cell number as a relative.    But his cell goes straight to his office. 

I don't work there.    I don't work.  

I email my paperwork to the collector calling and then I don't hear from that one

but in a few weeks I hear from another.  

How do I stop this?  These people are nasty.   

 

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How old is this debt?  Is this personally guaranteed, or is it business debt?  In the latter case, consumer protection laws probably don't apply.

1 hour ago, VJR said:

I'm sure my credit report must be a mess. 

Don't guess what's on them.  

 

Have all four of them mailed to you directly by the bureaus, and look.

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The debt was from 2013.   It was personally guaranteed but a business loan 

for Ebay.   I can get my credit reports but how do I make this stop?  

I feel like I should have not paid it because there was no way to collect it.

Still getting the same harassment.   

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1 hour ago, VJR said:

The debt was from 2013.   It was personally guaranteed but a business loan 

for Ebay.   I can get my credit reports but how do I make this stop?  

I feel like I should have not paid it because there was no way to collect it.

Still getting the same harassment.   

The SOL depends on when the last time you actually paid money on this.  

 

Let us see if the SOL applies. 

 

1. When was the last time you paid?

2. What is the SOL for this type of loan in your state?

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I settled the loan with the attorneys office.  I have a discharge from the court. 

What I'm saying is every other week a new collector calls. 

I sent them a copy of the court paper work and never hear from them again. 

2 weeks later a new one calls.  

It's been a year since it's been paid.   

 

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Are you 100% sure that they're calling your son about the same debt?

 

If yes, options:

 

- Go back to the attorney that handled this for you

 

Or

 

If you're 100% certain this was settled correctly:

 

- Ignore the calls

- Have your son get the collector's address when they call, and then send an FOAD / C&D letter

 

 

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Keep in mind that business debt is not typically going to fall under the consumer protections generally discussed in these forums.  Some States may have laws that afford similar protections though.

 

As CV aptly notes, you need to go back to the settlement documents and confirm ALL elements of the settlement.  The two largest elements will be payment of fees to the attorney AND that there was an actual written Agreement not to sell off the remaining balance. 

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