How do you prove to a bill collector that you do not owe. The bills is from 2 yrs ago.?

Question

The bill is from 2 yrs ago. I know I paid, but I did not keep my old checks or check book. The will not provide the original bill, and I never recieved a bill. How can I prove that I do not owe this?

Answer 1

Show them the receipt that you received when you paid the bill..................

Answer 2

Don't be misled. This creditor still has the potential to put negative marks on your credit if you do not resolve this issue. DO NOT IGNORE IT.

I would suggest finding out if your bank keeps copies of cancelled checks... If they do see if you can get a copy of the cancelled check (you have to know when you paid the bill though). Also see if you can find any old statements from your creditor... If they sent you a statement saying that you made payments - you should be able to use that as proof of the amount owed.

My only other advice is to call the creditor (not the bill collector) and see if you can settle the bill. You may be able to settle for less than you "owe". Collection agencies do not care about the truth, and they never listen to reason - so call the creditor (tell them you refuse to be contacted by the agency). If the creditor has "sold" your debt then you have to deal with the agency.

Unfortunately, you may have to pay this bill again if you cannot prove that you paid it. It would be better to settle the account than to let a creditor put negative information on your credit record. Since this bill is only 2 years old, you could still be sued by the creditor for non-payment. That is the last thing you want. A creditor can use a judgement to collect monies from your paycheck... You don't want to deal with any of this - take care of this as soon as possible.

Best wishes!

Answer 3

The collectors have the obligation to prove it is a valid debt. If they cannot, then they cannot continue to go after you.

Write them by certified mail that this debt was paid, and that you demand they provide proof it is a legitimate debt, or buzz off.

Answer 4

If they can't provide the bill verification then you don't have to pay it.

Call your bank to see if you can get a copy of the check. Most banks scan the check now instead of sending you the copy.

El

Answer 5

You don't have to prove anything. They have to prove that you owe the money. If they don't and continue to hassle you or report the collection to any of the credit agencies, you can sue them. $1,000 per violation.

Get a lawyer if it goes that far, you might make a few hundred bucks after the legal fees.