FDCPA 808(1) is your basis for any claim that a debt collector is attempting to collect any amount not entitled.
It states that it is illegal for them to attempt to collect "any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law."
Review your original account agreement with the OC, and determine what amounts it expressly authorized.
If amounts they are attempting to collect are not expressly authorized in your account agreement, they must assert some provision of your state law that entitles them to amounts not authorized in your account agreement. Ask them under what provision of your state code they are permitted such interest/fees.
If you pay the debt, under the procedures of most courts, they are required to file a notice of satisfaction of the debt within a certain period. It is most likely something you dont have to ask for agreement. Give a quick call to the clerk of the judgment court, and ask about the requirements for a judgment creditor filing a notice of satisfaction of the judgment.
Of course, satisfaction of a judgment does require deletion of the judgment from your CR. It is just a first step.
