But because there is never, ever a bill that lays out what you're paying for, I was never presented with an opportunity to question charges. The opportunity to

But because there is never, ever a bill that lays out what you're paying for, I was never presented with an opportunity to question charges. The opportunity to question charges arises when you get your day in court. But, as you have discovered, the collection agency won't ever try to get a judgement in court because they full well know that the charges on the bill are bogus and the judge will throw the whole thing out if they pull up in front of one. That's how it works.