<prompt> Human: Ive never missed a payment on anything, but somehow a bill slipped past me for 20 and theyve already sent me to collections!!!I need this off my record! what do I do?  <response>: What type of debt, how old, and have you checked your credit reports to see if its shown up?Usually in this case if its not on your credit reports I recommend paying the original creditor ASAP and then writing back to the debt collector within 30 days disputing the debt, keep it short and to the point and dont admit its a valid debt or that you made a payment such as: Dear debt collector: I recently got a notice about account 123. This debt is invalid, I dont owe ATT any money. 