I am having the same troubles that many of you are having. Mine came through Green Tree Finance/Conseco Finance. I paid off my debt with them back in 2000. A year, or so, later this Cavalry Portfolio Services, LLC calls me on my cell phone (I'm still trying to figure out how they got the number) at 7:00 in the morning. The person didn't even start the conversation pleasantly. He instantly went into accusations.
At first, I thought it was a joke. Then he went on to explain who he was (Cavalry Portfolio Services) and that I owed them over $500 for an unpaid bill. I told him that this debt had been paid off for quite some time now. He said there is no record of any kind of payment on that account. I faxed him a copy of the processed check and that was the end of it, or so I thought.
Almost five years had past when all of sudden I began to receive phone calls and letters telling me to pay this debt now, or suffer the consequences. They really don't make it easy to get a hold of them and when the credit bureaus investigate; they seem to side with the swindlers.
So finally, after months of waiting, I received a letter from them stating they understand that I had the credit bureaus investigate their claims of debt. They said that they were willing to dismiss the debt if I was to provide for them, on a written letterhead from the original debtor, that the debt was paid in full. For those that don't know, GreenTree and Conseco Financial does not exsist anymore. They are owned by someone else now. I'm not sure who. So I as I try to find out how to get this taken care of. The fees keep racking up. Where somewhere around the 700 mark.
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