Is the payment plan in writing that you both signed? If so, great. If not, or if you just signed whatever payment plan the collection agency gave you, I suspect it may allow them to still take the payments.
This answer is for informational purposes only and is not legal advice regarding your question and does not establish an attorney-client relationship.
I would need to review the terms of the contract. Suggest contacting an attorney for a free consultation.
If you can show that the debt was paid in full (including any applicable interest and costs) and there was an additional overpayment, you would be entitled to the return of the overpayment. Alternatively, if you can show that the collection agency agreed to fully settle the debt for a specific amount and the payments exceeded that amount after December, then you should be able to request a return of the overpayment. Your case depends on what you can prove with respect to the amount of the debt and your agreement to settle the debt.
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