> Even worse, in the US, collections companies typically have no proof the debt is real, which also conveniently means you dont actually need to pay. IIRC/IANAL

> Even worse, in the US, collections companies typically have no proof the debt is real, which also conveniently means you dont actually need to pay. IIRC/IANAL Also not a lawyer, but from what my financial planner tells me simply sending a debt validation letter asking for them to prove you owe what they say you owe shuts most of them up. Student loans or tax avoidance though, they’re likely to have the records. Alas