Legal Question in Credit and Debt Law in Illinois

-I took out a payday loan in 2007 and failed to pay all of it back.

-I was then contacted in October by a collections company stating that I was being sued for intent to write a bad check and that I could do jail time as punishment

-Scared out of my mind, I made arrangements to pay the debt. Two weeks ago I settled the debt, paying around $1,200 total.

-I didn't receive a confirmation letter that I paid, and called to request an email confirmation. Days went by and I didn't receive the letter by email. I then called back today to check on the status. The account manager told me that he had sent it out and was resending it, and I should receive it in ten minutes. An hour passed and I called the account manager back. He angrily told me that he sent it and hung up the phone.

I understand that I owed this debt and paid it. What can I do to get verification that I paid it so I can prevent any future legal problems from this debt?


Asked on 12/03/10, 9:30 am

1 Answer from Attorneys
Stephen Messutta

Did you verify the email address? Better anyhow is that you get a written - piece of paper in the mail kind of writing - since you will need that to help clear your credit reports of this matter.

Yes under law they are required to provide you with evidence of satisfaction of debt but first make sure they are sending it out to the proper place.

If it is a place in the area that you can physically go to to obtain it, I recommend you do so. Not because they shouldn't do it, but because this is for you and it could be that important.

The response given is not intended to create, nor does it create an ongoing duty to respond to questions. The response does not form an attorney-client relationship, nor is it intended to be anything other than the educated opinion of the author. It should not be relied upon as legal advice. The response given is based upon the limited facts provided by the person asking the question. To the extent additional or different facts exist, the response might possibly change. Attorney is licensed to practice law only in the State of Illinois. Responses are based solely on Illinois law unless stated otherwise.

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Answered on 12/11/10, 5:54 pm


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