4. How do I find out what the bill is for?

Either in the first contact with you regarding the debt or in writing within five days after the initial contact, the collection agency must provide the following information: (a) the amount owed, (b) the name of the creditor, and (c) the process to follow to dispute the bill or receive verification of the debt. This is referred to as the "validation of debt" notice. (back to questions)