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United Auto Creditsaying i owe more monies

i totaled this vehicle in sept. 08, the ins. company paid the finance company what the vehicle was worth, the gap ins. paid the finance comp. and i paid the rest of the money that was owed the finance company in 09, today on november 4th, 2011 i recieved a call from ms. wells that works for united auto credit saying i owed them more money. after 2 years why contact me now? i feel this company is a scam! and needs to be checked into!

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