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And another thing. Do this now. Write a letter to the agency contesting the charge. Say explicitly in the letter that you wish to preserve any rights you may have in the matter.
If you do nothing, a legal presumption may be made depending on the circumstances that the debt is valid. If you contest, you may succeed in shifting the burden of proof over to them.
You need to contest it immediately. Then decide what you want to do. Ignoring it is the worst thing you can do.
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