<prompt> Human: An organization I used to be a part of emailed me saying I owe 1000. I do not think this is the correct figure and asked to see if they have a physical contract that I signed.They do not have said contract in their system.So is it possible for them to hire a debt collections agency without having an actual contract with my signature on it?  <response>: They can send any debt they want to collections, whether or not it would hold up is a different matter. You could dispute it with the credit reporting agencies and they would have to provide proof of the debt. If they cannot do that it would be removed from your credit reports and they would be out of luck unless they want to sue you. 