My question involves collection proceedings in the State of: Georgia
I left Art Institute Atlanta after the fall semester ended in 2009. This was in December 2009. I didn't just drop out, I went through all the procedures to withdraw legitimately. I lived in the same address for a year afterwards before moving to a new house. I never received a final invoice for any tuition fees due. My tuition was handled through student loans.
I took a look at my credit report on Friday, November 6th (2015) and noticed that there was a deliquency of $1800 owed. It brought my credit score down by 30 points! I was furious! It was brought on by Williams & Fudge (horrible name) with Art Institute stamped on it. So I called W&F immediately and asked them what this was about. I could never get a clear answer. She said it might have to do with the school not getting a refund for the government for my unused semester. This is impossible since I finished the semester. I made sure to say repeatedly that I had no knowledge of this debt and I had not see anything from Art Institute even during the year when they had my current address. I was rather upset and ranted about how they ruined my credit score. The woman on the phone actually laughed at that.
So it ended with them planning to call me back today at 11am to talk out a settlement and a payment plan.
After getting off the phone, I immediately sent a dispute request to the credit agencies (both online and faxed to their fax numbers) and started doing some research.
First of all, if this debt is real, it's almost six years old. I would think that Art Institute would have given up or charged this debt off by now. So I have a feeling AI isn't even involved at this point.
Second, if this debt came up when I withdrew, then statute of limitations is coming up in December. This would most likely be some sort of tuition bill.
Last, this delinquency on my credit report reared it's head right after I secured a mortgage and bought a new house. So if this debt IS real, then this smells like a parking debt situation.
I've already made up my mind not to send them a cent until they can send me all the documentation surrounding this debt and prove that I owe it. When they call, I'll make sure they understand that I'll be sending a certified letter asking for verification.
Any advice? Should I contact Art Institute and ask them about a possible debt that's almost six years old?
I left Art Institute Atlanta after the fall semester ended in 2009. This was in December 2009. I didn't just drop out, I went through all the procedures to withdraw legitimately. I lived in the same address for a year afterwards before moving to a new house. I never received a final invoice for any tuition fees due. My tuition was handled through student loans.
I took a look at my credit report on Friday, November 6th (2015) and noticed that there was a deliquency of $1800 owed. It brought my credit score down by 30 points! I was furious! It was brought on by Williams & Fudge (horrible name) with Art Institute stamped on it. So I called W&F immediately and asked them what this was about. I could never get a clear answer. She said it might have to do with the school not getting a refund for the government for my unused semester. This is impossible since I finished the semester. I made sure to say repeatedly that I had no knowledge of this debt and I had not see anything from Art Institute even during the year when they had my current address. I was rather upset and ranted about how they ruined my credit score. The woman on the phone actually laughed at that.
So it ended with them planning to call me back today at 11am to talk out a settlement and a payment plan.
After getting off the phone, I immediately sent a dispute request to the credit agencies (both online and faxed to their fax numbers) and started doing some research.
First of all, if this debt is real, it's almost six years old. I would think that Art Institute would have given up or charged this debt off by now. So I have a feeling AI isn't even involved at this point.
Second, if this debt came up when I withdrew, then statute of limitations is coming up in December. This would most likely be some sort of tuition bill.
Last, this delinquency on my credit report reared it's head right after I secured a mortgage and bought a new house. So if this debt IS real, then this smells like a parking debt situation.
I've already made up my mind not to send them a cent until they can send me all the documentation surrounding this debt and prove that I owe it. When they call, I'll make sure they understand that I'll be sending a certified letter asking for verification.
Any advice? Should I contact Art Institute and ask them about a possible debt that's almost six years old?
Debt Collectors: W and F Comes at Me for a Debt I Had No Knowledge of
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