I would call them and request alot more identifying information before paying anything. If you are convinced you paid it off in full then don't neotiate until they can prove how/why/ you still owe , AND that they are collecting from the right person. I had one person call me claiming to be from a collection agency representing for my student loans, the address they had for me was totally wrong ( I had NEVER lived there) they would not confirm correctly how much I owed, or what bank I had dealt with originally for my loan. They had also never sent anything in writing, so I told them that until they could get their facts straight not to bother me again. In an age where we frequently hear about identity theft and all kinds of cyber crimes unless someone can prove to me that I actually owe the debt, they can keep right on moving.

My wife paid off her student loan in full two years ago. Last year, she received a bill for about $400 stating there was an 'adjustment'. The explanation was that the government had adjusted the amount due after an audit. She accepted this and paid the $400.

6 months ago she received a bill for $50, stating another adjustment. Last week she recieved a bill from a new collection agency for $469, once again stating an adjustment. We cannot get a fully detailed list of payments, amounts due or any reasonable explanation for these adjustments.

I suspect that some collection agencies are keeping student loan accounts open and active with a small amount - i.e. - $1.00 and then they can add administrative charges or something similar. They might even sell the account to another agency, which appears to be the case here. This type of activity may be within the confines of some loophole in the law, but is totally immoral! Anyone have any experience/advice on this? We will be following-up and getting to the bottom of this.