Every single debt should be contested. "Oh but I know I owe this". How do you know you owe it to that specific collector? Can you be sure it wasn't sold twice?

Every single debt should be contested. "Oh but I know I owe this". How do you know you owe it to that specific collector? Can you be sure it wasn't sold twice? Can you be sure the company didn't already write it off? Can you be sure that paying it means it'll actually be marked paid in their system? The entire debt collection industry is a mess, and only the absolute worst players operate in it. If you try and stay honest and moral you will be taken for a ride.