SRA Associates, Inc.

All I want to do is pay off my debt but it seems that the debt collectors have another plan in the works. Any advice would be appreciated as I am scared and confused. Like many Americans I made poor financial decisions in my early 20s by using credit cards to purchase the things I thought I should be able to afford and truly couldn't. Fast forward a few years and I am struggling to get out of debt. I have made much progress in the last year and I am down to one last creditor to pay off, Dell Financial Service. Up until the past week I had a mostly decent experience interacting with DFS and their debt collectors while making regular payments. My plan was to pay off the card with two large payments in November and December. Little did I know that my "File" had been transferred from my original debt collector to another party called SRA Associates. Last night at 8:40PM I received a call from SRA Associates telling me that I was refusing to pay and that it would reflect as such on my credit report. I am upset and confused, I don't know where to turn. I think everyone should be aware of the unethical practices that debt collectors are exercising. Its almost like they don't want me to pay it off so they can keep stringing me along indefinitely. Here's the timeline of events to the best of my knowledge: 01/11/2010 - 02/25/2011 - I was making regular payments directly to Dell Financial Services Here's a receipt of all payments made during this time period from my bank --> [Page 1](http://i.imgur.com/2Uyvc.jpg) [Page 2](http://i.imgur.com/fhesq.jpg) I edited out personal info. 02/2011 - I called Dell to get my account balance as they were no longer sending me statements. I was informed that my "file" had been transferred to a debt collector called Valentine and Kebartas and that my payments were being forwarded to Valentine and Kebartas . They mentioned that the payments being forwarded were the amount minus a processing fee that Dell Financial Services impo