Okay, fair enough but can the creditor actually refuse to talk with me concerning this issue? When I called and asked that someone look at my account because I believe an error has been made - the woman replied "I've looked at your account and you owe the money." I replied that my bank statements prove otherwise so could you please give me the exact dates that you claim I failed to pay. Her reply to me was "you owe the money, stop calling here the girls at the front desk are young girls and you're harassing them."
Do I have any legal recourse against the creditor for being sent to collection erroneously?

