My question involves collection proceedings in the State of: MN
It came to my attention that Chase bank has hired a local law firm in Minneapolis, MN to deal with my credit card debt. The thing is: I paid the debt off in January 2010. Collection agency apparently never bothered to send Chase bank the confirmation and now I am stuck with a lawsuit.
Note: I have not received the actual lawsuit document from the law firm, It is waiting for me at Sheriff's Office.
I spoke to a representative over at the collection agency and they are sending me a confirmation letter tomorrow, that I am then supposed to send to the law firm.
What happens next? Do I still need to appear in court?
This is a complete nightmare, to say the least and it is happening over something that I haven't even done. What kind of responsibility does the collection agency hold? I mean, they have made a colossal mistake that might cost me a lot of time and money..
thank you in advance for your response.