First Credit Services Inc. Debt Collection Complaint

First Credit Services Inc. Debt collection department,

Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount New Jersey

I called the store owner to give 30-days notice to cancel taekwondo lessons for my --year-old nephew, I found out later I was supposed to give a written notice. I went to the bank to make sure payment was not taken from my checking account, as I thought I had given the proper notice. Months later, I received a bill from collection stating I owed an outrageous amount, $280.00, got it corrected to $160.00, $ -/month $25.00 returned payment fee, $10.00 late fee. I did not pay because I was working with the - and then New Jersey Dept. of Consumer Affairs. I also kept the collection agency updated on where I was in the process. I have not resolved the issue with the Alternative Dispute Resolution Unit and the debt has taken its toll on my credit score. For the $160.00 owed, it affected my credit score almost - points. I went from a - to a - from one month to the next.