I called the number and it was for NASCO. I was then told that they were collecting for an old store credit card I had had years ago. When they told me what it was, I explained to them that I had paid that off at least 7 possibly more years ago. I can remember taking a payoff amount that was about $60.00 less than the actual amount owed just to get out from under it. I can remember this clearly because they were calling my home 3 & 4 times a day back then in addition to letters and were making me nuts. I took the payoff, cut the card up in a million pieces, requested they cancel the account and sent it all to them and have never heard another word. No calls, no mail, nothing. I was put on hold, the girl came back and told me ok, no problem, she noted it on her account and to have a nice day. That was the end of it, so I thought. 5 days later they call my mothers again. This time the woman is a b*tch! She tells my mother that I have to call them at a number and extension. My mother told her I had returned their call last week and from what she understood it was settled. The woman tells her NO it was not and that I needed to call. She then told my mother if I did not, they would sue me. I receive the message and call them back and against my better judgment I did. Figured I would call, tell them about the prior call and get it all straightened out. WRONG. This woman was HORRID. She would literally scream over top of me if I was trying to talk or ask her something. I told her what the girl told me the week before, she told me that is not what was noted, that it said Refusal to Pay. I then told her that before I did anything with this, I would need a copy sent in the mail. She told me they have sent many copies since the middle of August and I had to have received them or they would have gotten them back. I asked the address she had, it is my moms (used to be mine) I told her that I had not received it and my mother had not received anything either. She basically told me I and my mother were liars. Had to have received it of they would have gotten it back. I then requested that she resend it again. Give me the benefit of the doubt if you will. She refused. Told me she didn't have to, didn't have time because she was taking this to the lawyers on Wednesday Sept 10. She said she had a meeting set up with them at 8:30 a.m. I told her I have a right to the paperwork and it was up to her to be sure I received it so that I could proceed in whatever manner I determined was best . She told me no and that she was putting it on my credit report that day. She asked if I had the proof I paid. Told her I could look, but no guarantees since it was so long ago and I had moved since then and may or may not have the paperwork that far back. Not to mention that I know I paid with a money order, so no bank to look back on. I asked if I could have a couple of days to look since some of this stuff was packed in boxes, packed away. She told me I had ONLY until Wednesday morning of the 10th. (This was 4:30 on Monday afternoon.) I asked her why If this debt was valid, I have never ever received anything in years? She said I would have had to because it had been to 2 or 3 other collection agencies. She then tells me she can garnish my wages and asked where I worked. Told her garnish away as I don't have a garnish-able job. She tells me that the total will increase as soon as she meets with the lawyer because they will add on lawyer fees and the any costs they have incurred for trying to find me. I asked for her name (for my notes), she wouldn't give it to me, kept skipping the question. I told her if she was going to be unreasonable, I would contact my lawyer. She says "Oh, you will pay for a lawyer, but you won't pay your debts?" It told her not a debt that I had paid of years ago! At this point, I was tired of her screaming over top of me and I started screaming back. I asked her to please just shut the hell up and listen and she told me to calm down. I told her she needed to calm down and she hung up on me. There was much more said, but this is getting long enough. I then looked through the paperwork I had, but had nothing. Since I never recall receiving anything after the final payment, I wasn't surprised that I had nothing. I calmed myself, and called them back. I keyed her extension and asked to speak to her superior. She put me on hold for two seconds and came back on. I swear it was the same person! Acted like she was someone else! The voice was the same. I explained I had looked and found nothing. I then explained either way it didn't matter because the SOL in MI is 6 years and I know it was longer than that. She started in with, I had to pay it. Go borrow the money from a relative. Go to some agency and get help with my regular bills and use the money I have to pay them. I told her no, no and no (the money isn't the issue, I HAVE the money...but I am not paying something I have paid before). I get the oh well, they are working on a time schedule and have to meet with the lawyer on Wednesday, to bad so sad for me. Then out of nowhere she offers a payment plan. $$ to them by the 15th of this month, 15th of next month, balance the 15th of November. Total they are asking for is $290.00. They wanted payments made out to the store name, with the collections address on it and priority mailed with delivery confirmation each time. At this point I told her I was calling the store the card had been with to see if they had made some mistake. If they had, then I would have the store call them, if not, I would consider the payment plan if I could not provide proof I had paid and ended the call. I called the store, they have the account as a balance of 290.00 but no minimum due. (which I know is wrong) I explained the situation to them. she looked and last activity of any kind was in January of 1996. She said that that NASCO acquired this from them in December of 2002. I asked if it was placed as a collection with them or if they had bought it. She said it wasn't placed as a collection, that NASCO owns the debt now but she was unsure of how they received ownership. I mentioned that the NASCO told me to make the payments out to the store name, but their mailing address and she said that was weird cause they didn't own the debt anymore. I then asked her what had been going on with the account prior to NASCO getting it in December of 2002. She looked and said "nothing, i was just sitting here." I told her NASCO said it had been to 2 or 3 other agencies prior to them and she said not according to her records. She tried to find out if there was anyone above the two people I had spoken to at NASCO, but her boss was gone. I am supposed to call them back today. I spoke with some people knowledgeable in this area and was told DO NOT SEND them anything, that if I do, I start the SOL over. I was told to have my mother tell them do not call there again, therefore forcing them to mail info to me and that the company would have to send it certified to have proof I received it and if they didn't they were out of luck if they took it to court. We moved since then, but my mother lives at my old address, so anything that was sent, I would have still gotten it. Not to mention this is a really small town where everybody knows everyone, so it wouldn't matter the address on the envelope if the mail person saw the name, they would bring it here. Has happened many times before. I pulled my credit report from all three agencies and this is not on any of them. I found this place and got the copies of the validation letters the final letter, along with some good information. I see a few things (mentioned in my post before now) that seem to be violations of the credit law too. My question is, how would you proceed? Should I send the 1st letter out now, or should I wait and see if they try to contact me again? Should I mention that the SOL has run out on this according to MI law in the first letter? Also, do I have to send the second letter (15 day wait) or can I send the first then the estoppal 30 days later? Should I call the collection agency back and tell them that what they tell me about the account history vs what the store is telling me does not match, that the gig is up and that they can get lost? I look forward to your advice.