My husband got a letter a few weeks ago from this creditor saying that it represents the client CFB Financial III and that we owe an old debt from Montgomery Wards totaling $1,080.00. They offered us one time payment of around $500 bucks and that would settle the balance. We told them we would look into this and since then they have been calling trying to collect on this debt. One the last phone call they threatened to put this debt back on our credit report if we don't pay.
Can they do that?
I have since then filed a report with the BBB and the FTC. My husband doesn't even remember if he had a Wards card. He thinks it could have been his ex-wife. How can I make them go away aside from paying this debt? My husband is telling me to go ahead and pay them so that they'll go away, but I think it's just wrong.
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