Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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Good morning. You do have a right to dispute the debt and contest this, if you paid. The complaint should lay out and break down the basis for the money which they seek. It is likely that while the $650 was actual debt, the additional $350 included interest, late fees and other collection costs. If you paid this, you could testify to the same but the truth of the matter, is that the mere statement alone, would not be enough. If you paid with a check, you could speak with you bank and see if there is any records of this. If not, you could try and settle this and see if they would agree to a payment plan. However, you also can defend this and make them show that you owe it and they have a legal right to collect.