I was attending XXXX University ( online ), my term started XXXX/XXXX/15 and ended XXXX/XXXX/15. On XXXX/XXXX/15 I informed my student advisor due to a XXXX and health factors I need to drop out of school. After having to call again on XXXX/XXXX/15 because no action was taken and speaking to XXXX different student advisors and XXXX financial advisors I was able to drop my classes and was told I had to pay before I could attend classes again which I was fine with. XXXX/XXXX/15 bill from XXXX University showed no charges and the XXXX/XXXX/15 bill showed the charges for the classes I dropped. On XXXX/XXXX/15 I got a call from Van Ru Credit Corporation stating I have not paid my bill in 131 days ( which would be XXXX/XXXX/15 ) and the XXXX term that I owed for did n't even start until XXXX/XXXX/15. She also stated that at 135 days that they would start tacking on interest and report to credit bureaus as bad credit. I tried to work with XXXX University where XXXX people there and XXXX people at Van Rue Credit told me that they were not a part of XXXX University and they could n't help me. So I did n't even have a bill saying what I owed until XXXX/XXXX/15, was threatened that I only had 4 days to pay on XXXX/XXXX/15 or it would be reported to credit bureaus as bad credit, and that I had n't paid in 131 days even though the classes I was paying for had n't started till XXXX/XXXX/15 which was only 86 days from the first phone call I received about it, and only 3 days from the first bill I received regarding the debt.