My question involves collection proceedings in the State of: Colorado
I incurred credit card debit back in 2004. Through no fault but my own I failed to make the appropriate payments. I received an offer from the credit card company in 2007 to settle the debt for a reduced amount. I agreed and paid the full reduced sum via electronic check. I thought that was it.
Last Saturday I was served papers by a debt collector for the remaining amount. I found the bank statement when the money was withdrawn and it states the credit card company's name on it but not the account number it was applied to. I contacted the bank but they are unable to provide any additional information because it was an electronic check. When I contacted the credit card company to find out what went wrong and to request a record of all payments made on that account they would not give me any information because the account had been sold to a third party.
I have spoken with the third party debt collector & the information they received from the credit card company shows the payment was made back in 2005 (which is untrue). They have indicated that if I can prove the amount paid in January 2008 was for the account in question and was to satisfy the debt the lawsuit will be dropped.
Can someone please help me figure out how to obtain a record of where the credit card payment made in January 2008 was applied to? What other avenues do you know of that I have not explored? Thank you in advance for any and all help you can provide.