text: do i need an attorny to deal with 2 companies that are both denying responsiblity for charges on credit report i had aol for internet service and canceled them out.the bank account that i had the account set up with was also closed on the same day.well for 3 months following that,aol withdrew payments out of the bank account.the bank says i need to pay it and have aol reimburse me,aol dont have me on record anymore.i have been battling with this since 2001.i can not open a checking or a saving due to the nsf charge that bank is holding on me.the bank says its aol fault,aol cant find me in their system,and i dont think that i should have to pay for their mistakes.do i need to contact an attorney to file a civil suit against the companies or what do i need to do?at a loss and confused.it started out being a $90 charge that has collected interest and other fees that currently stands at almost $200.which i feel aol should be paying,but since they are not showing me on record,say there is nothing they can do about it.i cant get a copy of the bill from the bank without sending them money for the copy first off, dispute the credit bureau for the entries made.  under the fair debt collection act it is against the law to report false entries on your credit.  once you have written and disputed the entries the creditor will have 30 days to respond.  if they do not respond entry will be removed.  provide the credit bureaus your information.  you will also need to provide your lending instituion copies of all letters sent to aol.  (by the way---aol is worse company in the history of man kind!)  your banking institute also has to follow rules set forth by the fair debt collection act.  are you sure the nsf charges are not your fault?  closing the account before all your checks cleared?  maybe aol...is just your scape goat.  make sure you have all your ducks in a row and your facts are 100% factually correct.  also....send things certified return receipt so there is no question as to your communications!