Before you pay a penny to a collection company, you confirm that the debt belongs to you. Collection companies are legally required to send you a debt validation letter stating what the debts are, how much you owe and other information. Pay for Delete Letter – Offer money to a company or collection office if they accept a transaction and release the debt and ask the hotlines to withdraw it. Not all collections that contact you are trying to recover a legitimate request. Sometimes collection companies defy consumers, owe debts that are not real or that may have already been paid. Why the collector thinks you owe the fault: Ask who the original creditor is and ask for documents that confirm that you owe the debt, for example. B a copy of the original contract. . . .