I have two collections accounts that I know are not correct. One is an old employer that a new HR manager sent 2 years after I left the company for a bill of $32,000 for moving expenses. But I never moved and only recieved $8,000. I sent a reqest for validation and they sent me a copy of my offer letter that states I am entitled to an ESTIMATED $32,000 - which I signed. I use to have a letter of seperation, but its 5 years later and no longer have that showed that I recieved $8000 and was not responsible for repaying. On this debt, I cannot see how this is validation of debt when its just a pre-employment offer letter I signed for estimated moving costs, and it does state that if I leave the job, I am required to payback minus each month I work 1/12 of the balance. Technically if I own this debt, I worked 2 months and would owe around $6000. So my question is what do I do next? They think this is a valid debt because its what they recieved from the company's new HR manager.
Second debt is a medical bill from 3 years ago and the only debt validation they sent me was an itemized bill that shows no insurance payments. I have ordered my EOB from the insurance agency, but again, I know I cannot owe for the entire surgery when I had great insurance - but yet they claim I owe entire amount?
Thanks
