springleaf Financial Error on my behalf

[princejfj]

I am repairing my credit due to a recent account I had with springleaf financial. they sent me a letter the other day stating that I need to pay the settlement balance or I will be sued, they also stated that If I pay it It will be removed from collection and the account will reflect paid in full. The amount listed on this letter was $0.00 on the top portion that I was to return to them as well as in the body of the letter I sent them a check for $0.00 can they come back and say it was an error and try to collect. Its their mistake so they should be more careful is my thought.

[Lian]

The very fact that they sent the letter demonstrates that they do consider a balance to be owed on the account. It defies logic to hold an obvious typo as an admission on their part of $0 debt owed.

Sending them a check for $0 is not offering a negotiable instrument of any value. You apparently have, and concede knowledge of, the debt. I see no basis to support a defensible position that their obvious administrative error negates the debt.

I would not want to go before a judge and argue that position...

[princejfj]

I did file a complaint with the Attorney General and Springleaf/American General admitted their mistake and honored the $0 balance in writing. I received a letter stating its now closed and nothing is owed it was just removed from my Credit report as well.