i had a overdrawn account with washington mutual back in february of 2004. Er solutions made attempts to collect the debt on washington mutual's behalf. After a couple of months i got back on my feet financially and right at that time er solutions sent another letter saying they would settle the debt for 30% less. I then took the initiative to settle with er solutions, a couple weeks letter i received my confirmation letter from er solutions stating that the debt is settled and considered paid in full, and to hold on to the letter for 4 years in case of any discrepancies. I did so for more than 5 years after seeing no discrepancy i got rid of the settlement document with er solutions. Now recently in 2011 i get a letter from er solutions stating i owe washington mutual for the same account and the same debt amount as in 2004. I called er solutions to see if i can clear this up and the guy who answered the phone said that they just got this account handed to them in march of 2011, and that its new in their system. And they have no prior records of this account or my information pertaining to any settlement. How can this be when the settlement letter was in their very own letterhead and stationary. They insisted that this account is open and was never closed. So after 7 years i have the burden to provide proof from the same people/company that provided the settlement. Honestly who would keep a settlement letter of $900 for over 7 years unless they were told specifically to do so. And why would washington mutual(now chase) wait over 7 years to start a debt collection. I trusted this company to settle my dispute and it all seems to a scheme to take more money out the hands of hard working people trying to clear their credit and do the right thing.