what can I do??

[misslawli]

What is the name of your state? AZ

In Oct. of 2003, I paid off my auto loan. I sold it a few days later, as soon as I recieved the title an lien release. I also recieved a check for about $7, that I had over paid.

This last thursday, I got a phone call, at work, from a lady saying she represented some law firm in reguards to my past due account with Ford Motor Credit. She said I still owed them $1,100. I said that this was the first time I had heard about any past due amount. I told her that I had paid off that account. She said something about reposessing the truck, I told her that I had sold it 3 years ago and she became very angry. She asked how "I got away with that". I explained to her about the title and lien release being sent to me.
I wa at work and asked for her number so I could call her back. She got meaner and ruder, and I explained that my employer was very strict about no personal calls. She then told me if she did not hear back from me in 24 hours, that the next time I heard from her, She would be calling me at work again to inform me that I was going to be served.
I am currently trying to get ahold of my bank statements from that time. I have moved out of state and back, plus to a few other residences in that time. I can no longer find my copy of the lien release or any of the other papers.

What else will I need?? Or am I just screwed? Thank you for your help.

[Ladynred]

She then told me if she did not hear back from me in 24 hours, that the next time I heard from her, She would be calling me at work again to inform me that I was going to be served.

The harpy is sooooo full of BS her eyes must be brown ! The chances of you being sued in 24 hours are slim and NONE. Their 24 hour 'limit' is an intimidation tactic - -that's ALL.

Get the name and mailing address of this collection agency and make them prove there is any such a debt. Chances are REALLY good that they can't prove diddly - they rarely can. Send them a debt validation letter, you can get info on the process of validation at [url]www.creditinfocenter.com[/url].

Read up on the Fair Debt Collection Practices Act (FDCPA) while you're at it, if you tell this witch that your employer forbids personal calls and that they are NOT to call you at work, they are required to STOP CALLING you. In this case VERBAL notification IS binding.. but I'd also include it in your first letter.

You might call the DMV and see if they keep any records regarding the title transfer and lien release. You might alsio try FMC directly and see what they have to say.

[misslawli]

thank you for your help. I am currently waiting for the bank to mail me my past statements. Even though I told her to stop calling at work she has called back a couple of times. The people I work with tell her I am not able to come to the phone. I am just so upset with this, because I am a "recovering" mess. I am trying to get my credit and my life back on track, I had to give up my car because I just couldn't do it any more. I have ALOT of old debt that I am trying to take care of and get paid off and this one of the few good things, I had done in my past. I am trying, yet I still get this lady calling and telling me what a bad person I am. She was reading off other collection notices from my credit report and it is just so FRUSTRATING!!!