took out a $2,000 personal line of credit in 1999 with my credit union. Payments on the loan were deducted automatically from my bank account. By 2003 my bank statements were showing 0.00 and available line of credit as $2,000 indicating the loan was paid in full.
In October of 2009 some bill collection agency calls me saying they are collecting a debt on behalf of some company I never heard of. Saying it was a personal line of credit and the debt was $3000!!
I sent the 'prove it letters" to the collection agency demanding they prove I owe on this loan and their right to collect. All they sent me was the original note I signed for the personal loan back in 1999. I have a bank statement showing the loan back at 0 balance in 2003. The bill collectors are threatening suit. Statute?