A debt buyer may have paid pennies on the dollar for your account, and accounts get sold in bulk, on spreadsheets. Spreadsheets lose things. Federal law lets you ask a collector, in writing, to prove the debt is yours: who the original creditor was and the exact amount. Ask within 30 days of their first notice and they have to stop collecting until they answer.
Got the collector's letter? Upload it. BillFighter checks the notice and writes the request that makes them prove it.
Check your bill — freeThe check is free. The letter is the paid part: you print and mail it yourself, or we send it by certified mail for you. No account needed to start.
This is the general rule, in plain words. BillFighter is not a law firm and does not give legal advice. If you have been served with court papers, that is the day for a lawyer or legal aid.