You probably know this already, but for the general audience: you don't actually owe a debt to a collector if they can't prove to you that you owe it, and they'

You probably know this already, but for the general audience: you don't actually owe a debt to a collector if they can't prove to you that you owe it, and they're typically very bad at that. (See https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance https://www.bitsaboutmoney.com/archive/the-waste-stream-of-c...)