Legal Question in Credit and Debt Law in Oregon

What are the limits of loan collection?

I recently purchased a used car that I had to finance. My first payment was due on the July 31 2000. It is now Sept. 20 2000 and I just received a call from the company I am borrowing from and they were saying that they have never received any payment. They were told that we have never received any bill, and the contract I signed at the dealership, had only their name no phone # or address in which to contact them. And the finance officer at the dealership wouldn't return my phone calls so I was unable to inquire about the account, but she sent me a note and saying to send her the payment and she would send it in for me. I did not send it in because I do not trust sending someone else payment on my car that I do not know, and she proved herself to not be trustworthy by not returning any of my phone calls. If she could send in the payment she should have sent me an account # for me to do it not her, Is there some law that covers this situation. Where a bill was not sent through no fault of my own and for me to still be held liable for the back payments? Please respond as quickly as possible, Thank you.

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