My wife received a collections letter from Unifin a few days back. The debt origination date is from 2011 from Bank of America. She said she paid off her credit card balance of 687 from her 401k before that branch closed. She doesn't have any collections listed on her Credit report. There is no proof of payment since she switched to a different bank since and banks don't retain documents that long. The debt originated in Washington and their statute of limitations is 6 years I am not mistaken. However, the the current debt balance 4000+. What are her options?
original posted by NoahY503 to r/personalfinance on Fri, 05 Apr 2024 15:09:21 GMT.