We 're a small, man/wife XXXX corporation. We have been working diligently to rid ourselves of business debt incurred between XX/XX/XXXX-XX/XX/XXXX as a result of the XXXX Recession. Since early XX/XX/XXXX, when signs the worst was over surfaced, and especially during the past XXXX years, we 've been working with a NFP to negotiate lower interest rates to help keep our small business afloat. Recently, after never having failed to pay on time, we discovered after review that we had paid, in principal alone, far more than borrowed on several cards. To prove our findings we did a full accounting using receipt records -- recording all borrowings, payments on principal, interest and other fees. We sent these reports with a one-page cover letter of explanation ( copies are available ) via tracked XXXX Priority Mail to XXXX, XXXX and XXXX XXXX. We have documentation all were received. Only XXXX, XXXX, has bothered to read our material and correspond by phone. ( They advised they 'd look into our concerns and get back to us, although " it might take some time. '' ) From the others we 've received only form letters advising we 're overdue, as they tacked on high interest and late fees. In our cover letters we told each party that due to overpayment and the fact we 're both in our XXXX 's and must still work, we will pay no more. 
Although we have no faith whatsoever in the co-called credit reporting agencies ( calling usually gets you someone in a XXXXworld country who barely speaks XXXX ; writing a certified letter we found is usually ignored ), we trust XXXX XXXX implicitly. When we saw this opportunity to communicate with an organization of which she was a part, we jumped on it. Please let us know if you need more.