I had a debt from university. They sent to collection agency, I never received a letter, or spoke with anyone about the debt. I paid the college for the total which was $3200 before I knew it had gone to collections. The agency reported to my credit file a debt of $1100. I called them today asking about how it could be that I still owed over $1000. The debt was not more than what I paid. Can the agency charge me a $1000 fee? Do I have to pay them? Can I fight the debt? The person I talked to was not knowledgeable of my file and was having someone call me back next week. I want to be prepared with what I should say and do. I have no problem paying something to get it off my credit report, but $1000 seems excessive. Help please.