In general, if you did not receive notice of a change in your contract
terms prior to the time when you used the service incurring additional charges, then you are not in breach of contract
, because the modification was made unilaterally, without your express agreement, or your implied knowledge.
If you are sued, you can defend by simply denying that you are in breach of the agreement. Then you would testify to the fact that you never received notice, and if the court believes your testimony
, and finds that no notice of cancellation was sent to you at your contract mailing address prior to the time the charges were incurred, then you would be found not liable for those charges.
If you would like to avoid the hassle, you can send letter to the debt collector denying the debt, but offering to settle the matter for $X [pick a number], in exchange for the debt collector acknowledging that your account was at all times current and paid in full, and that it will remove any negative credit report
entries immediately upon successful negotiation of your settlement check.
Get the agreement in writing, because you may need it to prove to the credit reporting agencies that you were never delinquent. That proof will force the credit reporting agencies to remove the negative entries from your account, even if the debt collector fails to do so.
Hope this helps.