Someone called me up and told me I had a debt. They wanted me to go to their office and make payment arrangements. I asked for an invoice or a bill and they stated they would give me somthing in writing after I paid the bill. I told them the law requires that I receive something in writing regarding this debt within 5 days of intil contact. They sent me something in writing stating that I had 5 days to pay the debt in full. I do not believe this is right. Am I not allowed at least 30 days to refute and/or accept the debt once I receive written notification?