2. Talk to the collection agency or your creditor

If you don’t agree that you owe the money, the first step is to talk to the . Sometimes, you can talk to them on the phone and explain that:

  • you don’t owe the money, or
  • the information they have is wrong.

Explain your situation to the collection agency. For example, you might:

  • never have owed the money
  • have already paid back your , who is the person or company you owed the money to
  • owe less money than what the collection agency says you owe

If you already paid the debt, make sure that you also talk to the creditor.

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