I had a collection agency collecting on a bad debt….?
I had a collection agency collecting for a bad debt on one of my very past due credit cards. Long story but we got in to one of those teaser loans for our mortgage and it jumped all the way up to $ 3,400 a month so we were unable to make our minimum monthly payments and stopped paying on all our credit cards. We ended up selling our home and now are settling all of our past due accounts. All have gone to collection agencies and like a dummy I set up a payment 15 days from now to pay off one credit card. The reason why I say I am a dummy is because I just realized that I already paid off the credit card a month ago with a different collection agency. Has anyone ever heard of more than one collection agency collecting for a credit card account? Even though it was already paid off. I don’t know if I got ripped off or what? Please advise if this has ever happened to you or any advice. I am going to cancel the post dated check so the actual credit card company doesn’t get paid twice. Thanks.