I was contacted by Rubin and Rothman LLc last June in '06. This was to collect a debt that I owed when i was in my early adulthood. Upon agreeing to the repayment i immediately gave them $1000., then set up a payment schedule for two more payments of $263.61 to come out at the end of July and August. The rep. That I talked to sent me some paper work to fill out and send back so I did what I agreed to do so they could draft my account of this money for two months. She assured me that at the end of August when they got the last payment that they would send me a certificate of payment and it would be paid in full. So like a good consumer i did my part of the aggrement and on July 26'06 $263.61 came out my my account and on August 28 '06 again $263.61 came out. To my knowledge this was it i was done paying this bill that i owed. Come January 10' 07 My bank account had a restraining order that prevented me from paying some bills. I called the main branch and they told me it was Rubin and Rothman.
I was furious. So I called and talked to them. Well after beating around the bush and not comming clean with what was going on they finally told me that I still owed $108.13 and that is why they out the retraining order on my account.
Well I explained to them as nice as anyone could do in this situation that as of August I had paid this dapt in full and why would they not call me to tell me what was going on or send me something in the mail.
Again they said it happens and then asked if I had enough money in my account to cover it. I said I do not defulge that information on the phone and that had they called me or sent me something admitting to thier mistake it would have been taken care of.
I also asked why did they not just write it off since it was indeed their mistake. They laughed and said you must not be from here. I said no I'm not I'm from Texas.
They replied that Texas is Pro-debt and that is unfortunate for me. I told them that this was outrageous and that since it was thier mistake they should rectify this.
Well since my husband is overseas and would need access to this account I had no choice but to pay it so the restriction could be lifted. What can I do about this? I think I should not have had to pay this debt at all in this case since it was thier fault.
One last thing the paper that i signed and sent back stated that the payment would be paid in full on the last scheduled draft. The last scheduled draft was August 28'06.
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