Louisiana : Credit card company agreed to settle my $11k credit card debt for under $7k. I was making monthly payments and only have until February 2020 to finish. My June payment was credited back to me in July then I was sent to collections July 19th. I went back and forth with credit card company for weeks. They had no reason for this stating simply they did not receive a payment. After contacting my bank ( since I paid thru my online banking) and my bank said the payment was returned due to information mismatch. I filed an appeal which the credit card company. I have not heard anything from them. No phone calls nor any mail stating the status of my appeal. I received a letter from the law firm attempting to collect $7k which would be the orginal amount owed since I started paying it off. I can provide the bank statment showing that the credit card company reimbursed me etc. Should I get a lawyer? I want to resume my payments as scheduled and finish paying it off as planned. I have never had any debt before my divorce. Thanks