I had my car repossessed a cpl yrs ago after losing my job.?

I didn't hear anything from the company for over a year. My credit report shows that the account is closed and charged off. Now, just before last x-mas, the law offices of Mitchell n Kay are calling me wanting the money. After not hearing anything for a year? Any info on this would help. Besides ' pay it' I work for min. wage and barely getting by like most ppl. I guess my Q is if I have to pay this collector since the original creditor has closed and charged off the account.
Asked Jan 06, 2010
Edited Jan 06, 2010
same happened to me a few years back, heard nothing. then my mortgage application was refused cos i had a balance outstanding, i paid it. my advise is to just pay it or set up a repayment plan to suit you, but just dont ignore it cos it will come back and haunt you.
Answered Jan 19, 2010

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