Did you know that a lof of the negative information on your credit can be removed?
Did you know that most bill collectors don't lie about what you owe?
Did you know that most bill collectors don't expect you do dispute the bill?.

In order to fight the debt, you need to first know what you are fighting so it first
begin with you pulling your credit and seeing all the negative information. Check
and see if there are any unauthorized activities taking place on your credit.
This is something you should do atleast once a year.