if you have details of the time of the call (approx date etc) and the likes, you can appeal it. you an also make a payment arrangement. it doesn't have to be paid in full by due date if you dont' have it.




i will suggest this to everyone - get a receipt number for every call! even if they don't document the call (which they should) a receipt number marks on your file that it has been opened. the only way a consultant can't provide you a receipt number is if they have given you generic info and not opened your record