What can I do if I'm not even sure that I owe the collection agency? Have been calling me for almost a week.

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Check out this link for a sample validation letter - http://www.ovlg.com/letters/debt-validation-letter.html

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Try to validate the debt first. The collector is supposed to send you a validation notice within 5 days of the initial contact. Seems like, you haven't received it. So, ask for validation as soon as possible. There's a 30 days time limit. You'll get to know if you own the debt and the collection agency holds your debt or not, along with your payment histories and proof of the original contract.


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