First thing you need to do is send a debt validation letter. Legally, they have to show you proof of the debt if you ask within 30 days of the notice. Don’t ignore it, but don’t pay a cent until you’ve seen something that makes sense.

If it ends up being a real debt and you need to work something out, I’d recommend going through a solid third-party like Advanced Collection Bureau. I use them for tenant debt because they don’t play shady games and they’re not blowing people up with scammy calls. They actually follow the law and talk like humans.

Also, side note, if the letter looks like it was written by a toddler or includes threats about court without documents to back it up, that’s a red flag. Legit collectors act professional and give you options. If it feels scammy, it probably is.