DAR Waterfront & Associates Supposedly representing Bella Essence Eye Cream and Nuvajen anti-aging serum. They are trying to collect $197.72 for face cream I have already paid for. It has been so long since I purchased the product. I have not received any billing inquiries until now. I sudpect this is a fraud but am fearful that if it's not , this alleged debt may affect my outstanding credit. I am retired now and am on a tight budget and can't really afford to pay this debt of it is not legit. Sherman Oaks California

 I have been sent to a collection agency threatening to pay for something I paid for at the time of purchase. DAR Waterfront & Associates is a collection agency representing Bella Essence Eye Cream and Nuvjen Anti-Aging Serum. If I made this purchase and received such face cream I would have paid for it at the time of purchase. Up until now, I have not received any notification of this alleged debt. I am fearful that if I don't pay the requested amount of $197.72, my exceptional credit will be affected. I am retired and am on a small penchant and tight budget. I truly believe I may be a victim Of fraud! What is your advice?