I am new to this forum and I am looking for some help. I had a bank account 2.5 years ago and closed it. Or atleast I thought I did.
After 2.5 years of silence I got a letter from RJM Acquisitions LLC saying that they are my new creditor and that I owe them $200. I am a full-time student and $200 is a lot to me.
I had not heard a peep from the bank that they are claiming I owe money to. No phone calls, no letters, nothing.
The letter says that I have 30 days to do something about it. It also lists options saying I can pay 50% in one lump some, 70% in 4 payments, or 100% in small monthly payments. Wouldn't a creditor want 100% of the money that was owed to them? If I do nothing legal action will be taken and my credit will be affected.
Also, I read up on my state's statute of limitations (Washington State) and it says that it is 3 years for an open account.
What should I do?