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Unfortunately, it’s simple for employees to ignore what’s occurring. Doing this makes a contract that could be binding. If you haven’t signed a contract with the collection business, you owe them nothing. For the collection organization to state that it had an agreement on you, it must demonstrate the way that it was going to do good for you. It’s true, you signed an agreement by means of your charge card company, but you didn’t sign one with the companies that bought your debt from the charge card company.