If it was paid the the lender contact them directly. Those loan companies sale debts if not paid in full. You have to be careful because while you may have satisfied the principal the interest may be what they are seeking now. With your receipt you are covered and if it is still on your credit report you may have to go a step further and contact each bureau directly to have the debt removed.

Now if you are saying that "they" are trying to collect and it does not appear as a change off as you were previously informed that it would be it could be that there was some form of a balance leftover. In that case you can ask for a reduced payoff.

Was it paid to the company named Progressive or to the original lender?

It was paid in early May and this company is saying it was not.  I found the receipts and they are still trying to collect

When was it paid?

I checked my credit report and it is not showing up on that as charged off like Ms. Davis said.  That says something to be about this not being on the up and up.

The proof of the debt is reflected within the account that you elected to have the funding deposited to. Why should anyone have to prove to you your debt? Did you suffer a concussion? As long as you can be provided a receipt why would any sane person attempt to dispute a debt that they know to be legit. Pay your bills and stop making excuses. Weather it's a cookie from the kitchen counter or a loan, stealing is stealing and a thief is a thief. Nothing in this world is free and how dare any person feel that they are validated in their actions to steal. This is the reason our youth is so reckless with their life choices, because the adults can't teach accountability if they lack integrity.

by law only one letter of intent has to be sent out.......if u dnt respond the nesseccary actions will be taken........ has u have to choice to go to court but u also have to choice to settle outside of court for a settlement offer.....

If you never took out a loan then it is a scam. If you took out a loan and paid it back in it's entirety, It is a scam. But if you refuse to pay something you know you borrowed then you are the scam artist.

Could you SHILLS try & stick to the truth? It's the same old "Scare" game. Empty sheet on the clothesline boys. Ain't gonna work. I noticed that none of you have mentioned that PROOF of debt must be mailed out. Also, any judgement against a person for a bad debt MUST be settled in CIVIL court. It's amazing how the scammers keep trying to post the same old bullsh*t.

If you have receipt that you have resolved your debt then there is clearly nothing to worry about. Weather it is a bank statement or an actual receipt you should be fine. Now as for someone just claiming that they resolved a debt with no proof, I wouldn't take that chance.

Many of the scammers are trying to tell borrowers that they are to be arrested for "check fraud" by defaulting on a loan. That is not check fraud. Scammers use "Law & Order" type phrases that people would have heard in their life. The job of a good con artist is to make it sound real. Then the sting comes with the "you have to act quick to avoid this". When you're not thinking things through, the scammers got you.

all u guys have to do is check your bank records. the proof is there as long as the loan was taken out withinthe last 5yrs your bank can pull the records . From the looks of this it seem you ppl are trying to get out of something that you know u owe stop making up excuses and pay your debt ause in the end you will wish u did because they can put a hold on your income taxes in most states depending on how high the debt.

You entered a contract with your creditor and said you would uphold your end of the agreement by making payments on your account as set forth in the agreement. If you choose to breach the contract by not paying, the creditor has the right to sue you in civil court to recover the money it is owed. This includes liens on assets and attaching your wages through a process called garnishment. The latter is not a plus with your employer either.

A paper or electronic check serves as a good faith token between parties, based on the trust that an equivalent amount of cash does exist in a legitimate bank-based account. Whenever that trust is violated, the result is known as check fraud. Check fraud covers a number of illegal and/or deceptive practices, from forgery to check kiting to embezzlement.

STOP MAKING EXCUSES......I DONT CARE IF YOU TALK TO THEM, PAY THEM, OR WHAT.....BUT IN THE END THEY WILL GET THERE MONEY!  EITHER THROUGH THE COURT SYSTEM..IRS.. OR WHT EVER THEY HAVE TO DO ... AS LONG AS THEY HAVE YOUR INFO AND PROOF THAT U DID TAKE OUT THE LOANS THATS ALL THEY NEED!!!! WHY EVEN KEEP RESPONDING IF YOU DIDNT TAKE OUT THE LOAN..SHOW THEM PROOF THT YOU DIDNT TAKE IT OUT... YOUR LAME GO FIND SOMETHING ELSE BETTER TO DO STOP STALKING THIS SITE...HOW ARE THEY EXTORTING YOU WHEN U OWE THE MONEY...WAKE UP AND STOP LEADING PEOPLE WRONG JUST BECASUE UR A BROKE A** BUM THAT DONT HAVE THE MONEY TO PAY UR DEBTS OFF DOESNT MEAN U HAVE TO LEAD OTHERS IN THE WRONG DIRECTION.....AND IF U FOLLOW THESE IDIOTS UP..YOUR JUS AS DUMB...... NOW HAVE A GOOD DAY....

So extorting people is a job, and you call yourself rich by extorting people? If somebody calls you and says you owe a debt when you clearly know you don't, it's fine with you?

Love the scorned scammer act ... no wait it's not an act LOL!

THATS IF U HAVE A  JOB...I DOUBT THAT U DO......WHOS THE POOR "SCHMUCK" NOW DUMB A** BROKE UNEMPLOYED BUM

im not a debt collector or do i have any affilation wit this number a** hole im just stating facts because i came on this very site when i thought it was a scam and was agreeing wit everyone until i was summoned to appear in court...dumb a** i hope they come to your f****ng job and u get fired... do u think they give a s*** if u pay them?????? HELL NO....... IN THE END THEY WIL GET THEIR MONEY BELIEVE THAT!!!!!!

So you're saying we should listen to an illiterate drugged out excuse for a bill collector? Like you?

You know, maybe you can intimidate some poor schmuck who's dumber than you are and extort money on the phone, but it doesn't work on this site. So it's back to the boiler room with you now! Thanks for letting us know this site is making it tougher for you to steal money on the phone!

i bet they wouldnt rememeber if they dnt want to pay yes they're are scam artist out there but all i want u to do is go to www.ckfraud.org and see tht FRADULENT CHECKS ARE PUNISHABLE IN ALL 50 STATES AT SUM POINT THESE PEOPLE DID TAKE THE LOANS OUT BUT DIDNT PAY THEM BACK ITS TYPICAL SO U CAN "QUOTE" THE FTCA ALL DAY BUT IF THEY OWE THE MONEY THEY OWE THE MONEY THERE'S NO WAY AROUND THAT...U MUST BE ONE OF THOSE PEOPLE THT TAKE OUT MULTIPLE LOANS AND FEEL LIKE YOU DONT HAVE TO PAY THEM BACK NO ONE EVERY STATED THAT THEY DIDNT  KNW ABOUT THESE LOAN THEY STATE THAT THEY RECEIVED CALLS ABOUT "LEGAL DOCUMENTS"....AGAIN DO YOUR RESEACH AND READ MORE CAREFULLY BEFORE U REPLY

Consumers across the country report that they're getting telephone calls from people trying to collect on loans the consumers never received or on loans they did receive but for amounts they do not owe. Others are receiving calls from people seeking to recover on loans consumers received but where the creditors never authorized the callers to collect for them. So what's the story?

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.

Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.

Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt076.shtm

A FRAUDLENT CHECK IS PUNISHABLE IN ALL 50 STATES DO UR RESEARCH BEFORE U TYPE........
IF U USE UR ROUTING NUMBER AND ACCOUNT ACCOUNT AND AUTHORIZE THEM TO DO A ELECTRONIC CHECK ITS THE SAME AS A PAPER CHECK IDIOT......

if u take out a loan why are u on here trying to find other frauds like yourself??? take out loans and not paying them back using ur account info to secure the loan but when its time to pay back the loan u close ur account sounds like your are a theif to me.......STOP TAKIN OUT LOANS AND THINKING U DONT HAVE TO PAY THEM BACK UR A FRAUD aND ALL LOAN COMPANYS SHOULD BE AWARE OF YOU....

Debts are civil and not criminal matters...

Thanks for playing.

if u took out a loan and dnt pay it back wht do u think is gonna happen its jus gonna disappear in thin air...if they are a scam your a fraud  for  stealing money...

I called them back and they told me I had to loans out.  I had already paid these loans off in may and according to the lady I spoke with I had not because they were in her office.
According to Ms. Baker she would not let me speak and I could not get a word in edgewise with her.

What kind of legal documents? They called me too, sounds like a scam.

Anybody else get a call from this number 1-855-753-93601???

not true they are a mediation company they file legal documents