<prompt> Human: Over the years, collection agencies have called me, saying I owe on a Perkins loan. The college is making the same claim as well. All Ive ever asked for, is a copy of the promissory note I supposedly signed. If I owe, Ill pay. But I have no recollection of ever taking one out. For 23 years, no agency has ever delivered on their promise to send a copy. Do I have any recourse?  <response>: Send a formal letter demanding proof of the debt and if no proof that it be removed from your credit report. if they continue to harass and give no proof get a lawyer. 