Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill.