<prompt> Human: I have tried to search for a previous thread but wasnt able to find one. Could someone give me some direction?Thanks.  <response>: Check out the dealing with collections that the bot will give you, but lets also answer this question: is the debt something that you think you were legitimately charged for and just never got the bill, or do you think you never incurred the debt in the first place? Because if you never incurred the debt in the first place, it is probably a scam. 