I think they are trying to scam me for some money. Back in 2005 my wife had to close down her business. She had been using personal credit card (MBNA) to purchase inventory and keep the business afloat. After shutting down, and her having no income we had to file for bankruptcy.
A couple of months later she found a job and prior to the bankruptcy going through WE voluntarily dismissed it and attempted to resolve our debts ourselves. I personally talked with MBNA and they agreed, over the phone, to accept monthly payments. After receiving official notice of our withdrawal, MBNA immediately turned the debt over to Creditors Interchange.
They caught my wife on the phone one day and she agreed to six monthly payments of $1,200 to settle the debt in full. She even set it up so that THEY, Creditors Interchange, could take the money directly out of our checking account.
This was back in July. So for six months we struggled, but we made it and made the final payment in December. Not one word was heard from them until today when they called and said that one of the six payments, in August, had only been $700 and that they had not closed out the account because of the fact that WE had not fulfilled our obligation. The lady said that she talked to her supervisors and "got them" to agree to accept $1,200 to satisfy the debt and that if we sent them the $1,200 everything would be settled. When I asked her to send me, in writing, a letter to confirm that, she said she couldn't do that until I sent the money.
She said that if I did not send payment by the end of the month, the settlement would be null and void and we would owe them the original debt of the MBNA credit card (in the neighborhood of $17,000). I think they may be trying to scam me. If THEY mistakenly only took $700 out as payment for a month instead of $1,200 I think that is their fault.
My question is this: if I don't pay them the additional $1,200 as they say, would I be responsible for the original debt? Any help would be appreciated.
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