<prompt> Human: I received this in the mail. I do have outstanding credit card debt over 20k that I need to deal with. I also know that all of my bills are up to date so nothing has gone to collection agencies.This appears too good to be true, can you guys confirm it for me that its a scam? ThanksHeres a scan of the document-  <response>: Call the bank that your credit card is with and ask them if they had assigned it to a collection agency without notifying you.If yes, theyll give you the contact info for the agency, and you can be assured its legit then.If no, then ignore this letter, as they have no authority to collect on a debt. 