Hi,
I was charged with my apartment for some amount when I vacated the apartment. They asked me to pay in full within 10 days. How ever there were corrections and I spoke to them regarding that. They sent a final bill on 29th Jul. I made a return payment on 8th Jul through DHL.
However I got a letter from Debt.Collector on 9th Aug saying that I owe this amount etc.. ( This letter was dispatched from them before receiving my payment).
My question is,
1. How come I could receive a letter when the final bill I received on 29th jul + 10 days so it's 9th Jul.
2. I already paid the amount in full by sending a cheque to the apartment people. I am going to write down the same to the debt collections also. Is there any format I can go.
3. Does it affect my credit history?. On what way.
please advise as I am really in bad situation.

I can only assume the company you owned the money to turned it over to a debt collector before receiving your payment.

Send the debt collector a letter stating something along the lines of:

To Whom it may concern:

In response to your letter dated [insert date here], this matter has been resolved. Please see attached copy of the canceled check made payable directly to [insert apartment company's name]. (**don't forget to attach a copy of the check**)

I shall consider this matter closed unless otherwise advised in writing.

Respectfully,


[Insert your name here]
[Insert account number issued by debt collector here]

thanks a lot. that's a very wonderful way of replying. thanks for the format.