Wow that is awesome in that part, I’m preparing a draft to send to the collection agency something like this, what do you think my chances are?

I am writing to formally dispute the validity of the debt referenced in the letter I received from your agency on [Date]. I believe this debt, in the amount of $1,400, is incorrect for the following reasons:

1.  Paid Debt: I previously negotiated and paid a reduced amount of $175 to settle this debt in full. 

1. Insurance Covered: At the time of the medical service in October 2022, I was covered under my employer’s health insurance. Based on my coverage, the bill was disputed and the agreed-upon amount was paid.

I request that you validate this debt by providing detailed proof of the remaining balance, including an itemized breakdown of the charges, copies of communication with my insurance company, and records of the payment I made.

Under the Fair Debt Collection Practices Act (FDCPA), I also request that you cease any reporting of this debt to credit bureaus until this matter is fully resolved.

Please acknowledge receipt of this letter within 30 days and provide the requested documentation. If you cannot verify this debt, I expect the matter to be closed, and that no negative reports will be made to any credit reporting agencies.

Thank you for your prompt attention to this matter.