Lady of America falsified/ changed my contract from a One Year contract to a Three Year contract after I already signed the contract and agreed to a ONE YEAR CONTRACT - NOT THREE YEARS!!! Miami Lakes Florida

Early in 2008, I signed a 12 month contract with Lady of America. The contract stated that I am to pay a monthly fee of about $63 a month for me and my daughter. I signed for a ONE YEAR contract but 10 months out of the contract I could not pay the remainder two months on the contract. (I only paid 10 months of the one year contract) due to personal financial problems. I received a letter from a collection agency for Lady of America. The collection agencies name is called Genesys. The letter stated that I owe 183.30, which is correct, (remember that I owe only two months plus late fees) so a month later I receive another letter from the same agency stating that I owe $2700. I contacted the agency to find out why are the charging me 2500 more than what I really owe. They refused to talk to me and then transferred me to an "investigator". The "investigator" told me that I owe a federal bank 4000.00 for a three year membership for me and my daughter. I asked him how did he come up with that amount and he laughed and said that I signed a three year contract. I asked him to send me a copy of the contract showing my signature. We argued back and forth, he told me even if I really did sign a one year contract that it is the employees word against mine that I signed a three year contract and that I am lying. Then he went on to say, "oh this bank never looses a case so i suggest you pay the 4000.00 or you will be jailed for owing 4000. to a federal bank that financed your contract for lady of america. I think Lady of America should be taken to court by that same bank for forging my one year contract into a three year contract. They took all that money from the bank and now they want to make it seem as if I signed a three year contract when I didnt. I think that these scams are unfair to anyone. Lady of America should have their business license taking away and they should be investigated by the State and/or Government and have an investigator to go and sign a one year contract and then wait a year later when they too will be scammed stating that their contract is three years. -someone really should investigate them and have them closed down for good...Now I have to deal with the threats of going to jail and a judgment on my credit. All over a scam...it is not fair, what do I do? Where is the justice here?

Lilo813
Miami Lakes, Florida
U.S.A.