i had called the creditor to pay in full but wanted debt verified, they stated on the phone they already mailed me and the mail was returned. i told them they had the wrong adress on file and they stated oh well too bad we already sent you letters. if they can not verify the debt when i asked in a timely manner then how can they still say its mine. i also dont beleive the balance is correct and have asked for the balance break down and they can not supply me with the information.