Paid Off Debts are Coming Back to Haunt You

Paid off that debt with SettleiTsoft Debt Settlement App

You rememFP Dollar Signber how great it felt when you finally paid off that huge credit card debt.  But today the wolves are back at your door looking to collect that same paid off debt.  If it’s truly a “clerical error”, the contact efforts should stop.  But if the calls keep on coming no matter what you say, this could be the first sign of a scam. It is possible that someone fraudulently trying to collect a debt mistakenly believed to still be owed.


Consider these Steps to Remedy the Paid Off Situation

  1. Dispute the debt, in writing, asking the collection agency to prove the debt is legitimate.  Under the Fair Debt Collections Act, the agency has 30 days to do so.  If the agency cannot provide such proof, the calls should stop.Start settling your credit card debt for FREE with SettleiTsoft
  2. Contingent on the agency provides a validation of the debt, you may need to send written proof for dispute. These documents must show all the settlement particulars (e.g. recipient, amount, date).  If that doesn’t put a stop it, move on to the next step.
  3. Enroll in SettleiTsoft, the debt negotiation software platform — don’t worry it’s free.  Enter collector’s contact information, instruct the system generate a Cease & Desist Letter customized for this collector, print the letter and forward to the collector via certified mail/return receipt requested.  {Note:  For additional file storage safety, you should utilize the cloud storage capability of the Documents Section to store the written proof of having paid off the debt and any communications with this “new collector”.


You have Rights

If the new debt collector continues to hound you, then it’s time to gather all the documentation that you stored in the SettleiTsoft Documents cloud — proof of the paid off debt and all written communication with the new collector including Cease & Desist Letter with copy of signed mail receipt — and file a formal complaint with the Consumer Financial Protection Bureau.  This U.S. government agency will investigate the complaint and look to resolve the issue.


SettleiTsoft Technology Helps Consumers Against Fraud & Scammers

By utilizing SettleiTsoft®, Debt Negotiation and Debt Settlement App, debtors are establishing this convenient and seamless electronic means of communication as their preferred negotiation method. This smart move should then provide a layer of protection against scammers. Therefore, helping to stop debt collection calls from creditors and allow any debt obligation to be amicably resolved.  The software is easy to use with step-by-step instructions and topic-specific videos in every section; enabling consumers to quickly begin restoring their financial peace of mind.

If the debt is legitimate, SettleiTsoft tools can help you calculate and then negotiate an affordable settlement offer. This process typically includes a substantial reduction of the amount you owe, as well as a payment plan.

If it’s a scam or the debt belongs to someone else – a common occurrence – SettleiTsoft should help you save a lot of time, aggravation, and money. Consequently, providing you with all the tools to combat predatory collection practices.

To learn how SettleiTsoft can help you create and stick to your budget plan while relieving your financial distress, please visit


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