<prompt> Human: I live in Colorado. I parked in a private lot. I paid the fee to be there until 6pm. It would have been another 10 to stay all night. Got back at 6:10pm and there was a ticket on my windshield. Made to look like an official ticket yellow envelope, orange markings on ticket, but on the bottom in tiny print it said it was not a city ticket. Ticket was for 75. No signs in lot saying that was fee for overstaying. I ignored it. Few weeks later I got a letter from a lawyer saying they were collecting on debt and if I did not contest within 30 days, in writing, through mail, they would consider it a valid debt.Question is, I never agreed to pay this amount. Can they really hit my credit for something I never agreed to pay?  <response>: If you want to fight this, write back to contest their authority to levy the fine and politely ask for the legal basis that gives them the right to assert it. Dont make an argument, just ask for the authority. First re-read the letter and see if they point to law or contract authorizing this charge. 