of the debt but I haven't received a satement in two years. I'm out of state and not sure how to handle this situation because I don't know who the collection agency is now. Is there anyone I can contact? I'm trying to avoid any surprises in the future from allegedly writing a bad check. I just want to pay the debt and not have this in the back of my mind...
Unfortunately, you need to wait to be contacted again for the debt. Trying to find the collector assigned to the debt now on your own would be like looking for a needle in haystack.
My answers here are for general information only and should not be construed to be formal legal advice or the formation of an Attorney-Client relationship. I am not your Attorney. You should always consult with a local Attorney before taking any action based on the general information provided by me on this site. I practice law only in jurisdictions I am properly authorized to do so and do not seek to represent anyone outside the jurisdictions where I have been licensed to practice law. Currently, I am licensed to practice law in the Commonwealth of Massachusetts and the State of New York.
The good news is that you may be able to locate the collector (likely a junk debt buyer) working this paper using your credit reports from the big three (Equifax, Experian and TransUnion). The collector will typically have a tradeline reporting on your credit, along with a phone number and address.
The bad news is that collecting on bad checks is an extremely shady corner of the collections industry, with a lot of blustering about using the criminal justice system (it typically gets involved quickly, at the behest of the original recipient of the check or not at all), etc.
If you don't find a tradeline, you may find inquiries from the collector. That will provide you some information, but less than you would get from a tradeline. You will need to do some detective work to track down the collector if all you have is a name attached to an inquiry.
The other thing to know about paying these sorts of collectors is that after you pay the alleged bad check, you may wind up being dunned for it again. They keep crappy records, and every once in a while they sell their entire database to another collector--who may not know or care that you already paid.
You have no attorney client relationship with me. I do not know all the specifics of your case, some of which might affect the response I made, which is not legal advice. State laws vary, and I cannot opine on the impact of the laws of any state other than Florida.
Either contact the original creditor and they can inform you who the collection agent was or contact ChexSystems at 800-428-9623 as this company is similar to the credit reporting agencies, but, it is for checks, they may be able to help you or guide you to the right organization that can help you.
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