IMO, you should cease ALL communications with this person except by certified mail. DO NOT call her again, DO NOT email her again, and DO NOT respond to communications FROM her unless they're by certified mail...and then, reply ONLY by certified mail.
(DO NOT FORGET TO KEEP COPIES OF EVERYTHING!)
You have her sweating now. Her business and professional reputation are on the line because of the shoddy way she's treated you through this.
Wait for validation of the debt by the credit collection agency. DO NOT communicate with them except by certified mail.
(DO NOT FORGET TO KEEP COPIES OF EVERYTHING!)
Send a copy of the "legal mumbo-jumbo" agreement to the BBB and to the state agencies that you've reported her to. It's just more "strong-arm tactics" on her part, and probably won't be looked on favorably.
If you know any attorneys, see if one of them will look it over and help you draft a reply...IF you want to do so, but IMO, you're under no obligation to do that.
All this will take a bit of time...wait, wait, wait, and if you let it, it might stress you a bit over the holiday season, but don't let it. It's not that serious, even if the collectors find a way to validate the debt.
You MAY have to take her to small claims court before this is all over...but that's fairly cheap and easy...and is designed for people in situations like this. NO LIARS LAWYERS allowed.
You may have the option of free/low cost legal advice where you're at. Always worth inquiring.
I just sent her one final e-mail:
"Heather,
After reviewing the document with my legal counsel, I have been advised not to sign it as is essentially a gag order. If I sign the agreement, I would be waiving all rights to proceed with any actions against you and protect myself in the process. Worst case scenario, suppose paperwork gets misplaced between you and the collections company and their harassment continues. If I signed the agreement, I would not have any recourse. Right now, the document is 100% in your best interest, not in mine. I would like to request you come back with a more fair agreement for both of us that protects each of us equally.
At this point, I have put any further action on hold (i.e. I am refraining from sending a formal letter with copies of all correspondence to the California Attorney General, etc.). I really don't want to escalate the situation any further, and I really do want to work with you to come up with an amicable solution. I would like to propose the following:
I would to respectfully request you to withdraw the bogus invoice for which there is no proof of debt from the Rash Curtis collection agency and to have Rash Curtis cease all collection efforts. When I receive confirmation that the invoice has been withdrawn and collection efforts stop, I will immediately update my reviews to accurately reflect your ultimate helpfulness and professionalism in handling the matter. Right now, my experience has been a negative and stressful one so I have honestly expressed it in my online reviews. When things are resolved amicably and my experience is significantly better/stress reduced, I will update accordingly.
Does this sound fair to you? I welcome your response and am glad that we are communicating and attempting to resolve things together. I hope that we can happily resolve things to move forward in the new year in a positive way, toward success, peace and joy, and leaving negativity behind.
Regards,
Ivy"
Curious to see if she will respond. I'm praying for something to the effect of: "Okay, sounds good, bogus invoice removed, please update your reviews to reflect that."
If it's anything other than that, I won't be contacting her again and if I do, with certified mail. Right now, I have copies of EVERYTHING, from letters sent and mailed to the certified mail receipts.
I can feel her sweating and almost feel a little bad for her. It's the holidays, stressful enough as it is, and it was her choice to go this route but I did go guns blazing (thanks to ATOT!). Hopefully she realizes she was in the wrong and sets out to do right.
If not, I'll be waiting for the validation of the debt by the credit collection agency. I'll keep a copy of the legal agreement and if necessary, send it to the BBB, etc. I don't know any attorneys personally but I will look into low/no-cost options if it's necessary.
At this point, I know it will take some time if she doesn't immediately revoke the claim. I'm getting to the point where I'm trying to let go of the stress and just let things take their natural course to resolution. I'd love to fast track it as evidenced in the e-mail I wrote, but if that doesn't work out, then I'll just sit and wait.
Thanks for the strong feedback, duly noted. I will be keeping copies of everything, and certified mail it will be from this point forward.