My question involves collection proceedings in the State of: Maryland
Original creditor in Kansas, collection agency in Missouri
I received a letter from a collection agency for an amount I do not believe I owe. I sent a letter requesting validation of the debt and they responded with a copy of the original contract that I signed. I do not dispute that I had a contract with the original creditor, but I dispute that I owe them anything. I paid in full in June, 2010 and never received anything from the original creditor after that. I have not moved, so they definitely have my address.
The contract they sent is not for the amount they claim I owe. That amount is hand-written in a margin, and was not present when I signed the contract (I have my own copy of the original contract). They did not indicate what the amount was charged for, when it was incurred, etc.
Can I reply and request this information? Or is a copy of the contract sufficient validation under the law?
Thank you.

