Never got a formal letter of debt. No messages left for what debt it was for. Finally I spoke with someone at debt collectors. They finally sent letter for debt. I sent payment in form of XXXX XXXX for total due.Never processed payment and placed on credit report as a collection. ( Please note I never answer my phone and/or return calls unless I know who is calling, too many scams ) If they would have sent a formal letter the XXXX time this payment would have been made. As when they did, when I finally spoke with them. I made payment right away within couple days of receiving the XXXX and ONLY Letter they sent.