I was not aware of a debt that we owed to the bank account we had that was closed. Seems that a couple of companies tried to process payments through the closed account so it in turn accrued a balance. Well they forwarded it to a collection agency. Now I had XXXX accounts XXXX was with my husband the other with my son. They are calling my son trying to say that he owes {$1000.00} but they are combining the total from both accounts and he was only on XXXX and the balance on that was like {$400.00} or so. They keep calling and harassing and I am in the process of sending a letter to stop the calling so that i can figure out how to resolve this but they insist on calling and being rude and disrespectful and threatening 
