<prompt> Human: Ive never been called by a debt collection agency before. I was not expecting this call at all, as far as I know Ive kept up with all my payments without fail. A friend of mine said it could be fake. Should I call them back?  <response>: You follow the wiki : The wiki is your friend The wiki makes it so very easy Follow the wiki The wiki will eliminate most of the stress and fear youre feeling at this moment 