If a debt collector contacts you about a debt you already paid, there are federal laws that protect you, so you can avoid more payments and credit damage.
Michelle Lambright Black is a credit expert with over 18 years of experience in the industry, a freelance writer, and a certified credit expert witness. She specializes in credit reporting, credit scoring, the intersection of credit and financing (business, mortgages, credit cards, loans), budgeting, and identity theft.
Michelle is the founder of CreditWriter.com and HerCreditMatters.com—blogs aimed at helping people take charge of their credit and finances so they can lead happier, less stressful lives. She’s a firm believer that everyone deserves a second chance (or a 20th chance) when it comes to money management and that any credit situation can be improved with the right plan and hard work.
Michelle has written for numerous publications and websites. Her work has appeared with Experian, Forbes, U.S. News & World Report, and Reader’s Digest, among others.