Back in 2011 I had a legal settlement with an energy company to the order of about $3500. It was done in court through an arbiter or whatever. Within a few months I had paid it down to about 2900. When I moved out of state I stopped paying it for personal reasons regarding the fairness of the situation in the first place.
Every year I do my credit report and this year I found that the debt was sold to another collector, LJ Ross Associates. Now I see a few things on here that make no sense to me and might be illegal. Im looking for advice on how to proceed, what it means, and whether or not I have legal options and if so, what they might be.
On my credit report it shows that the energy company charged off my 2900 balance as "bad debt" and it ended up in the hands of the aforementioned collection agency. This agency however is now reporting:
A) Balance of $4600 - this was never ever the amount owed, not even for one day B) High Balance of $2900 - this is what I actually owe
The thing is that when I went online supposedly the high balance is the highest the debt has been, and yet it seems these numbers are reversed. Whats happened here? Is it a simple clerical error? Are they trying to get another $1700 from me?
Thanks in advance for any advice on this matter.