original creditor: closed account 3/04
What fees are thy allowed to charge on a closed account !

Fees after closed account !
Month after month over limit fees , late fees and interest fees !
even in the middle of settlement they still accurred fees when they were not too ! because they were getting payments for settlement agreement , so because they still accurred fees payments were stopped. the proper amounts of settlement never showed on actual billing other than a letter that payments of 220.00 a month also actual settlement never showed on the billing statements and only 1 month after this account was closed did fees not appear and this was before settlement agreement
This was disputed repeatedly with original company and with credit bureas and original card account holder would never verify Debt validation letter asking for all history were never responded to propertly ! after a period of
2 1/2 yrs (8 /06 )and refusal to verify the company sold debt to a bad debt collector which was asked for verification and has not complied either but now they are sueing can any one help one that lives in pa with correct laws to stop these thievies ! these are companys that break all the laws in the fair credit practices acts and so far they have gotten away with it !
this person would like to fight with out an attorney if possible !