I have a debt with a company wich is probably a ye
I have a debt with a company wich is probably a year and a half old. I was making payments on it until about 6 months ago, but the thing is I have never set up a formal payment schedule with them nor have I ever recieved anything from them in the mail I have talked to them on the phone a few times but that's it. Now they sent me to collections. Is that legal for them to do that without ever sending any written correspondence to this debt? I am very frustrated because I have very excellent credit. Or at least I did until this came about! What should I do from here? Thank you!