United Recovery Systems Representing Capital One Auto
A settled debt sent to another creditor for balance. What? Why was it settled?

I made a settlement on a car loan that I purchased in 02/26/07. My loan was originally with Capital One Auto account 3692899 for $13,300. It took my auto insurance a year and half to settle on this claim they settled at $12,646.83.

After a year of late fees, etc the balance came to $16,664.71. However, when I spoke with Judith Jones at United Recovery systems-URS (888-593-8405 X 2088,) and I explained the situation honestly of what happened with the claim. Judith stated no problem lets settle at $11,000. She recorded the conversation to settle the total debt at $11,000. Then, Judith stated, The rest would be written off as bad debt and would credit in 30 days from payment. I mailed the check certified and it has been cashed. Judith Jones with URS stated, to me that this would settle my account at 100%, and I had nothing to worry about it would be a done debt.

Unfortunately, today I received a notice from a different collection agency on 12/01/08 from Northstar Location Services (866-610-2729 acct # 3692899) I spoke with Mr. Farrell a supervisor of the company, and he said that this debt is not settled and was transferred to that office 1 month ago from United Recovery System (URS). He stated, I still owe $5644.71. He didn't try to resolve this issue, and didn't even want to try to get the bottom of this situation. He just told me to pay the difference of the debt that I settled with URS on 10/02/08. Is that even moral?

As you can see this is very frustrating since I settled this balance with United Recovery Systems. Now, I guess I'm going to have to contact an attorney and pay out fee's that I don't have. Especially, since the economy's troubled times its hard for everyone.
I hope that some one with the knowledge and expertise can get this account resolved quickly. I'm really tired of fighting this debt that was resolved on 10/02/08 with URS. Just as I thought it was taken care with one creditor the balance is transferred from URS to another creditor. What? Another creditor This was resolved right?

In addition, when I called United Recovery System they wouldn't talk to me because the account was transferred to Northstar. I called Capitol One they wouldn't talk to me either because it was in collection. Help! Why was this settled when it really wasn't settled?
I'm a single mother on a fixed income. I'm driving a 1990 Oldsmobile. A one bedroom apt for my son and I is not living the high life by any means. This is going to force me to go into bankruptcy. Is that what you want?
Is capitol one a dishonest company or is it the collection agency that Capitol One Auto hired to collect their debts the dishonest one's.

I understand collection agency have to be firm, consistent, and annoying, but not liar's. Is this an issue with the agency or capital one? No one can give me any answers. I need help with this please some one help me resolve this debt that was taken care of on 10/02/08 with United Recovery System.

I appreciate your time to read my concerns about a settled debt that I took care of on 10/02/08 for $11,000 with United Recovery System. Or so I thought it was settled...

Company: United Recovery Systems Representing Capital One Auto
Country: USA
State: Arkansas
City: North Little Rock
Address: 115 Rimrock Apt B
Phone: 5018388253

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