Debt collectors should not be calling you at work and should not be demanding payment for sending you paperwork showing ownership of the debt. You need to contact an attorney immediately to address this issue.
Tara Nichol is licensed only in the State of Michigan. All answers provided relate only to Michigan law and are made for general information purposes ONLY. They are NOT intended to be legal advice and are NOT intended to create an attorney-client relationship between Ms. Nichol and any readers or subscribers to avvo.com. Tara Nichol Managing Attorney at Nichol & Doering, PLLC East Lansing, MI (517) 583-0520 **FREE 1 HOUR CONSULTATIONS.**
Stop talking to this company and do not send them any more money until you talk to a lawyer. It does not sound like you are dealing with a real law office. Be careful, this might be a scam.
First of all, if you took out these loans in 2006, the statute of limitations for collecting any money from you in a lawsuit has likely passed. In Michigan, the statute of limitations for breach of contract claims is 6 years. Unfortunately, if this is not a scam and the calls you are receiving are from a legitimate debt collector, the $250.00 payment that you sent them could have tolled the statute of limitations.
You should never pay a creditor who cannot prove to you in some way that you owe the money. The only way they can legitimately force you to pay is through a lawsuit, and they would certainly have to provide a court with paperwork to prove that you owe the debt.
Do not make any more payments, and do not talk to these bill collectors anymore. Check your credit report to see if the debt is listed on there. You can get free copies of your credit reports from all three credit reporting agencies once a year from www.annualcreditreport.com.
If they continue to call and harass you, consult with an attorney to learn your options for making them stop.