<prompt> Human: I had previously sent a letter to the debt collection agency to validate my debt. It looks like the debt is mostly? legitimate. They provided an invoice from the original debt holder apartment complex, as well as the copy of the lease. I believe one of the charges on the invoice is not legitimate. How do I respond to the letter agreeing to pay the rest of the debt except the one that is incorrect?  <response>: Just negotiate with them and let them know you think that charge is incorrect. You should be able to get a reduction on the total amount you have to pay anyway. These debt collectors pay pennies on the dollar for this old debt. Haggle a bit with them and agree to give them a set amount to settle the debt in full. Also ask for this agreement in writing before you pay anything. 