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I was not aware that I did not pay for the whole purchase. The problem is, is that when I received the rug it was the wrong rug. I took it back to the store and received the right rug. The rug was discounted from the original price because it was the floor model and it was frayed.
I went to the store and my receipt does not match theirs because the rug was discounted. They have sent the price of the rug into collections. The price is $276.99. The problem that I am having is that I never did receive a receipt for the time that I took the wrong rug back into the store.
How do I stop the payment from going into collections and destroying my credit ?