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<tr><td><b>Comment Number: </b></td><td>529233-00064</td></tr>

<tr><td><b>Received: </b></td><td>11/20/2007 1:07:16 AM</td></tr>

<tr><td><b>Organization: </b></td><td></td></tr>

<tr><td><b>Commenter: </b></td><td>Muthukumar Vaithianathan</td></tr>

<tr><td><b>State: </b></td><td>AZ</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>Debt Collection Workshop</td></tr>

<tr><td>No Attachments</td></tr></Table>

<hr><P><b>Comments:</b></p>I never got a bill but got a call from the company, and I paid over the phone. The late fee, which was supposed to be written off balooned to 300 dollars and ended up going to debt collection. I never received any bill , either for the original amount or the late fee.


1. I never got the original bill or any notice. I could not prove that that I never received the bill - Is there any way the original debt owner can be made to send a 'certified' mail of the bill/debt notice ?


2. Debt collector gave me 1 day notice before he was going to file something in the court in the state. I was busy and scared - paid the money he asked. Is there anyway debt collectors can be forced to give some notice ?


3. Debt collector was supposed to mark the credit record as paid so that there would not be a negative mark. He did not. Is there a fool proof way to make sure that the credit report is not affected when all of the debt is paid in full ?</body></html>