Look up your
SOL by state. Sounds like this was a written contract so you need to see what the sol on that is.
It sounds like they may be reporting this incorrectly. Do you have any paperwork on them rec'd AFTER they took your collateral? Just wondering if they considered it paid at that point. :confused:
If there is any balance at all, that is what they should be reporting...
Also, if it states "profit and loss" then that sounds like it was charged/written off.... maybe if there was a balance, they wrote that off...
If that's the case, it should be reporting a ZERO balance.