Hi. I've been under Debt Counselling in 2014 and in 2015 I received a notice saying that services were suspended due to non-payment(which was no fault of mine). They then remained the Debt Counsellors on record for the sole purpose of issuing my clearance certificate.

I managed to pay off all my debt this year and when I contacted the debt counselor in question, they say to me that I cannot get my clearance certificate as I haven't paid off all my accounts. Those creditors have not contacted me since before Debt Counselling and the last payments made were in 2015 via the Debt Counselling process...

I also contacted NCR and they said I should ask for Prescription Letters. But how do I know if these debts are not written off instead? I've also contacted most credit bureaus and none of them have those accounts listed... So are these accounts prescribed and should I contact the creditors in question for Prescription Letters?