Mortgage and Insurance

My daughter is being sued by a junk debt buyer, Harvest Credit Management) in Farmington Hills MI. 

 

She had a Citi Visa in college (10 years ago) that I was joint on.  I paid it off, probably twice.  The reason for paying it twice was because I had no proof that I paid it the first time, so just paid it again when Citi started hounded us.  If I remember correctly, the balance was originally around 1500.00, they are suing her for 6000.00

 

This debt showed as PIF on her credit report last year when she bought a house.

 

It has showed “Settled for Less Than Full”  (or something along that line) on my credit report, years ago.

 

We have absolutely NO paperwork on this.  She has one letter from the junk debt buyer a year ago, and she called them, they were rude, and she never talked to them again.

 

I no longer bank where I banked then, and don’t even remember by what manner I would have paid it.

 

She is excellent in managing her money, and has exellent credit.

 

Just FYI, this is not “Mommy handling the problems” -  This is a credit card she had in college and I used it and paid it.  She then graduated, moved out of the country for a number of years, came back, is going to grad school, just bought a house.

 

I have NO idea what to do and she is just freaking out about the whole thing.

 

Any suggestions? 

 

(I do know she needs to answer the summons or they will win by default)

 

 

• being sued by harvest credit
• harvest credit management