They are supposed to notify you in writing when it goes to collections. You can tell the debt collector that it is not a valid debt because it went to collections within 30 days of the first bill/ before the due date. Send that first bill in as proof. Write a letter. Offer to pay the original amount and have them waive attentional fees to mark it as paid in full. If they don't discharge the debt or take your offer, fight it on your credit report as not a valid debt due to the reasons above.
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u/BostonDogMom 11d ago
They are supposed to notify you in writing when it goes to collections. You can tell the debt collector that it is not a valid debt because it went to collections within 30 days of the first bill/ before the due date. Send that first bill in as proof. Write a letter. Offer to pay the original amount and have them waive attentional fees to mark it as paid in full. If they don't discharge the debt or take your offer, fight it on your credit report as not a valid debt due to the reasons above.