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Revco Solutions may retain your Personal Information for up to 10 years depending on your relationship with us, or as otherwise required by law or pursuant to contractual obligation. Revco Solutions thereafter deletes or anonymizes such ... • To conduct any other legitimate business activity not otherwise prohibited by law; and. Home depot bloomsburg

Revco Solutions, Durham, North Carolina. 840 likes · 1 talking about this. Revenue Cycle Management We’ve noticed in recent months various media outlets featuring news and investigative journalism pieces about an increase in the number of complaints being filed against debt collectors and collection agencies.Windows only: If all you want is computer-playable video off your DVDs, bitRipper is the most simple, click-one-button-and-you're-rolling solution we've seen. You can change your r...Education and connections are tough to come by these days, so we’ve created the Revco Solutions Revenue Roundtable. At each Roundtable, we connect a small panel of experts from across the healthcare industry to discuss key updates and challenges. “Denials” is a term that keeps revenue directors awake at night.COMPLAINT with JURY DEMAND against All Defendants ( Filing fee $ 405 paid - receipt number: AOHSDC-9884255), filed by Julie Doucet. (Doucet, Troy) Doucet v. Revco Solutions, Inc. et al (2:24-cv-01367), Ohio Southern District Court, Filed: 03/25/2024 - PacerMonitor Mobile Federal and Bankruptcy Court PACER Dockets.Aug 12, 2021 · Hang up if someone doesn’t do this. They must also call between 8 a.m. and 9 p.m. If it’s earlier or later, hang up or ignore the call. Anything that’s “free” but requires you to pay something is a scam. If you suspect a communication is a scam, hang up the phone without further communication. Revco is a specialist debt collection agency which has been operating for 16 years across all major industries in South Africa. Revco Lesotho is the group’s debt collection company operating in Lesotho. PSU is a company specialising in public sector revenue processes and methodologies as well as revenue enhancement strategies. Our Employment ...Handling Denied Claims: An Essential Guide for RCM. January 31, 2024. Denied claims don’t just hinder your cash flow. They also place a significant financial burden on your patients. Though it’s often overlooked in our industry, the patient’s financial experience is a core driver of RCM success. Optimizing your approach to denial ... Revco Solutions. Glassdoor gives you an inside look at what it's like to work at Revco Solutions, including salaries, reviews, office photos, and more. This is the Revco Solutions company profile. All content is posted anonymously by employees working at Revco Solutions. See what employees say it's like to work at Revco Solutions. About us. Revco Solutions brings over 75 years of healthcare revenue cycle experience, utilizing the latest omni-channel patient communications and innovative intelligence tools. We provide services that assist healthcare facilities with: • Patient Access • Insurance Denials Management & Follow Up • Early Out Self-Pay AR Management ...If you want to get in contact with them to pay a debt, learn more information about it, or dispute it, they can be reached using the following methods: Phone number: 1-800-362-0097. Mailing address: 111 W. Jackson Blvd, Suite 400, Chicago, IL 60604. Website: Harriscollect.com.To help you achieve that advantage, Revco’s team of RCM experts has compiled the primary benefits you can expect from leveraging data in your collection efforts, as well as a handful of tips to help you maximize the power of analytics. ... Revco Solutions Offices; Email: [email protected] Phone: 855-202-0113; Fax: 866-291-7413; …Jul 7, 2020 · Revco Solutions was founded in North Carolina in 1979 and has since grown to become the region’s premier provider of fast, efficient, and hassle-free debt recovery and accounts receivable services. This growth has been a direct result of our concentration on client service while remaining on the cutting edge of new technology and collection ... May 17, 2022 · Before you do, make sure Revco verifies the debt is yours. If they can’t, your best option is disputing it with help from Credit Glory. Where To Find Revco Solutions (Formerly CBCS) Is Revco Solutions a scam or legit? Revco Solutions is a real, legitimate company. They are a small collection agency in the US. Should I Negotiate A Settlement ... Handling Denied Claims: An Essential Guide for RCM. January 31, 2024. Denied claims don’t just hinder your cash flow. They also place a significant financial burden on your patients. Though it’s often overlooked in our industry, the patient’s financial experience is a core driver of RCM success. Optimizing your approach to denial ...Industry experts are predicting lithium-ion batteries (LIB) have the potential to revolutionize data center facility design. Still, data center professionals have legitimate questions about the operational and safety aspects of this emerging technology and how it compares to traditional valve-regulated, lead-acid (VRLA) batteries.We would like to show you a description here but the site won’t allow us.The report came from Revco Solutions, who I had never heard of, so I called and informed that they handle PG&E’s collections. The debt is mine. It’s $1250, less than $50 more than we all expected, but close enough to know it’s what we actually owe. I would just pay the money, but since I had completely forgotten about the investigation, I ...Revco Solutions is a fresh name in the collections industry, but a new brand with a long history of success for the industries we serve. We establish our history launching from a foundation of a century of experience performing collection services. With the acquisition of both Professional Recovery Consultants (PRC) and Credit Bureau Collection ...Columbus, OH 43216. Phone: 1-855-202-0113. [email protected]. Revco Solutions, Inc. has created this privacy statement in order to demonstrate our commitment to your privacy.PG&E/Revco Solutions Debt. Debt. I feel like prefacing this with the fact that this I consider this to the debt most attributed to my negligence. I lived with 5 other people in college 2 years ago, and we mistakenly never paid for PG&E for the first 10 months of our 12 month lease.Are you looking for a flexible way to earn income from the comfort of your own home? Part-time copy typing jobs may be the perfect solution for you. Before diving into the world of...August 13, 2019. DURHAM, NC – PRC is pleased to announce that Longshore Capital Partners, a leading private equity firm, recently completed a strategic investment in the company. “We are extremely pleased to have Longshore lead the next chapter of growth for PRC,” said PRC (Revco Solutions) President Geoff Miller. “We are confident that ...Revco Solutions is a revenue cycle management company serving hospitals, physician groups and other constituents in the healthcare community and to a limited extent, governments, utilities and retailers. The Company specializes in third-party accounts receivable management services and first-party / extended business office services which. Revco Solutions. Glassdoor gives you an inside look at what it's like to work at Revco Solutions, including salaries, reviews, office photos, and more. This is the Revco Solutions company profile. All content is posted anonymously by employees working at Revco Solutions. See what employees say it's like to work at Revco Solutions. Pay Your BillClient Log In. Affiliations Audits & Achievements. Revco Solutions Offices. Email: [email protected] Phone: 855-202-0113. Fax: 866-291-7413. NMLS ID: 237755. This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.It is very important to know if you’re being contacted by a legitimate company or a scammer. The latest article from debt collection agency Revco Solutions (855-202-0113) lists the top signs of a scam. “Debt collection” and “scam” are often used in the same sentence unfairly. In truth, people get behind on their bills sometimes, and ...2 reviews. Working at Revco Solutions: 2 Reviews. Review this company. Job Title. All. Location. All. Ratings by category. 3.5Work-Life Balance. 4.0Pay & Benefits. 4.5Job …Business Outlook. Pros. The pay is okay enough. Cons. They do not provide enough training. They say they're invested in your success but the moment you falter they come down on you and expect significant changes sooner rather than later. Show More. Helpful. Join the Revco Solutions team.During the Great Depression, Roosevelt tackled unemployment with a shorter work-week. European trade unions and companies are now reaching for the same solution. Around 90 years ag...Aug 12, 2021 · Hang up if someone doesn’t do this. They must also call between 8 a.m. and 9 p.m. If it’s earlier or later, hang up or ignore the call. Anything that’s “free” but requires you to pay something is a scam. If you suspect a communication is a scam, hang up the phone without further communication. Compassionate Bad Debt Collection. Revco gets strong results by putting the patient first. Our representatives are deeply knowledgeable, trained to connect with patients in a friendly manner via call, text, email, or live chat and set them on a steady path to repayment. Partner With Us. About us. Revco Solutions brings over 75 years of healthcare revenue cycle experience, utilizing the latest omni-channel patient communications and innovative intelligence tools. We provide services that assist healthcare facilities with: • Patient Access • Insurance Denials Management & Follow Up • Early Out Self-Pay AR Management ... Customer Reviews. 1.04/5. Customer Complaints. 102 complaints closed in last 3 years. 32 complaints closed in last 12 months. All complaints are handled by the BBB where the company is... Revco Solutions has a proven history of delivering the highest possible liquidation results while ensuring compliance with ever-changing industry requirements. We are HITRUST r2 Certified, as well as SOC2 and PCI certified. We are affiliated with HFMA, AAHAM, and the ACA. You can trust Revco Solutions to increase your bottom line and …Meet Our Leaders. Mark joined Revco Solutions with 30 years of Financial and 17 years of direct industry experience; having recently served as CEO for Receivables Management Partners and Brown & Joseph. Employed with Revco Solutions since July 2020, Steve has been in the collections industry for 29 years, having started as a collector & has ... The review received did not contain sufficient information for Revco Solutions to locate an account in our system. Please contact our office at (888)-727-8819, or email us at [email protected ... “Debt collection” and “scam” are often used in the same sentence unfairly; but scammers do exist. Here are 5 signs that you need to look out for when contacted by a debt collector:...So h ow do you know if the person calling you about an old bill you’d forgotten is legitimate or trying to steal your credit card number? The Consumer Financial Protection Bureau (CFPB) has put together a short video to highlight the warning signs of a debt collection scam , and we’ve got a few tips for you as well:Revco Solutions is a fresh name in the collections industry, but a new brand with a long history of success for the industries we serve. We establish our history launching from a foundation of a century of experience performing collection services. With the acquisition of both Professional Recovery Consultants (PRC) and Credit Bureau …See full list on solosuit.com We are excited to be part of Revco Solutions! About Revco Solutions. Revco Resource Library. Revco Solutions Offices; Email: [email protected] Phone: 855-202-0113; Fax: 866-291-7413; NMLS ID: 237755; This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.I keep on phoning Revco, can not speak to anyone, because of high call volumes. There is an option to leave a message, and left several messages, no response from Revco. Sent an email to Revco, no response. Now i get two sms messages daily that i fail to respond to their messages on sms. What a pathetic lot of people at Revco.Business Outlook. Pros. The pay is okay enough. Cons. They do not provide enough training. They say they're invested in your success but the moment you falter they come down on you and expect significant changes sooner rather than later. Show More. Helpful. Join the Revco Solutions team.The city hired PRC (Revco Solutions) to design a collection process to recover its unpaid taxes. Within two years, PRC (Revco Solutions) worked with hundreds of thousands of city residents to help them pay their taxes and recovered $10 million, or 25 percent, of its unpaid tax bills. Now, the city has a process for managing its A/Rs.2 reviews. Working at Revco Solutions: 2 Reviews. Review this company. Job Title. All. Location. All. Ratings by category. 3.5Work-Life Balance. 4.0Pay & Benefits. 4.5Job … About us. Revco Solutions brings over 75 years of healthcare revenue cycle experience, utilizing the latest omni-channel patient communications and innovative intelligence tools. We provide services that assist healthcare facilities with: • Patient Access • Insurance Denials Management & Follow Up • Early Out Self-Pay AR Management ... Our Difference. The key feature that distinguishes the Revco Solutions solution from our competitors is the experience and tenure of our personnel. This is not to sell ourselves short on any of the qualifications you seek in a collection agency –. These are the standard features that form the foundation from which our solution starts. However ...If you wish to exercise any of the rights listed above, please contact Revco Solutions by doing one of the following: Submit online to [email protected]. By mailing a request to: PO Box 965, Columbus, OH 43216. Toll free telephone: 1-855-202-0113. You will need to provide us with:In today’s digital age, more and more individuals are turning to the internet to find opportunities for making money online. The first step in your journey towards finding legitima...Companies. Financial Services. Revco Solutions. Jobs. 8 Revco Solutions jobs. Apply to the latest jobs near you. Learn about salary, employee reviews, interviews, benefits, and work-life balance.Revco Solutions Offices; Email: [email protected] Phone: 855-202-0113 Fax: 866-291-7413; NMLS ID: 237755; This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.Revco Solutions’s Go Beyond committee serves in the DRM facilities on a monthly basis. The St. Baldrick’s Foundation is a volunteer-powered charity committed to funding the most promising research to find cures for childhood cancers and give survivors long, healthy lives. In 2014, Revco Solutions adopted this charity and hosted a head ...In late 2016, Trivergent Health Alliance, based in Hagerstown, Maryland, partnered with Revco Solutions for our Early-Out Self-Pay AR Management. Since embarking on our partnership with Revco Solutions, they have exceeded many of our expectations, including performance, our patient’s experience, client services, compliance, and reporting needs.View customer complaints of Revco Solutions, Inc., BBB helps resolve disputes with the services or products a business provides.Find a list of most viewed website reports of this month. Use this service to check the online reputation of a website, check if a website is safe or a scam, check if a website is safe to buy from, check if a website is legit and trusted by other users.Is Revco Solutions Legit, Fake Or A Scam? Revco Solutions is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.For example, Revco Solutions considers information security an integral part of our business as well as the first line of defense against all potential internal and external threats to the business: physical, environmental, and computer-security related. For that reason, we completed an extensive Multi-Scope audit through TECH LOCK ®INC.Revco.co.za is more than just a debt recovery and credit management company in South Africa. It is a partner that helps you enhance your revenue, optimize your cash flow and reduce your risk. With 25 years of experience and cutting-edge technology, Revco.co.za can handle any debt collection challenge. Visit Revco.co.za and discover how they can make a difference for you.Hang up if someone doesn’t do this. They must also call between 8 a.m. and 9 p.m. If it’s earlier or later, hang up or ignore the call. Anything that’s “free” but requires you to pay something is a scam. If you suspect a communication is a scam, hang up the phone without further communication.October 23, 2020. DURHAM, N.C. — An industry leader in collections/revenue cycle management has a new name. Professional Recovery Consultants, Inc. (PRC) is now officially Revco Solutions, Inc. (Revco Solutions or the Company). The 40-year-old collection agency, based in Durham, North Carolina, was purchased in July 2019 by Longshore Capital ...The review received did not contain sufficient information for Revco Solutions to locate an account in our system. Please contact our office at (888)-727-8819, or email us at [email protected ...Revco Solutions is a legitimate company. This means there is a process in place to dispute your debt. It also means that Revco Solutions is bound by law to follow fair practices when attempting to collect debts. Revco Solutions is a company that provides several different financial services for corporate clients.Revco Solutions provides 1st and 3rd Party Bad Debt collection services for several industries, including healthcare, government, commercial, and utility. CBCS was founded in 1948 in Columbus, Ohio. Their original owner, CBC Companies, is a credit reporting company, owning a large amount of consumer credit data. CBCS became one …Durham, NC 965 followers. Revenue Cycle Experts. View all 164 employees. About us. Revco Solutions brings over 75 years of healthcare revenue cycle experience, utilizing …Pay Your BillClient Log In. Affiliations Audits & Achievements. Revco Solutions Offices. Email: [email protected] Phone: 855-202-0113. Fax: 866-291-7413. NMLS ID: 237755. This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.2 reviews. Working at Revco Solutions: 2 Reviews. Review this company. Job Title. All. Location. All. Ratings by category. 3.5Work-Life Balance. 4.0Pay & Benefits. 4.5Job …Is Revco Solutions legit or a scam? Revco Solutions is not fake or a scam. They are a legitimate business, however, their persistent calls might feel overwhelming. …Mar 27, 2024 · Business Outlook. Pros. The pay is okay enough. Cons. They do not provide enough training. They say they're invested in your success but the moment you falter they come down on you and expect significant changes sooner rather than later. Show More. Helpful. Join the Revco Solutions team. About us. Revco Solutions brings over 75 years of healthcare revenue cycle experience, utilizing the latest omni-channel patient communications and innovative intelligence tools. We provide services that assist healthcare facilities with: • Patient Access • Insurance Denials Management & Follow Up • Early Out Self-Pay AR Management ...Meet Our Leaders. Mark joined Revco Solutions with 30 years of Financial and 17 years of direct industry experience; having recently served as CEO for Receivables Management Partners and Brown & Joseph. Employed with Revco Solutions since July 2020, Steve has been in the collections industry for 29 years, having started as a collector & has ...To become a face model, take care of your skin, stay dedicated, create a portfolio, contact a modeling agency and send it your portfolio. Ensure that you apply only to legitimate a...Revco Solutions | 668 Follower:innen auf LinkedIn. Revenue Cycle Experts | Revco Solutions is a fresh name in the collections industry, but a new brand with a long history of success for the industries we serve. We establish our history launching from a foundation of a century of experience performing collection services. With the acquisition of both …Make Sure the Debt Is Legitimate. ... (Revco Solutions) or ProRecovery) was founded in North Carolina in 1979 and has since grown to become the region’s premier provider of fast, efficient, and hassle-free debt recovery and accounts receivable services. This growth has been a direct result of our concentration on client service while ...View customer complaints of Revco Solutions, Inc., BBB helps resolve disputes with the services or products a business provides.Thank you so much for taking a few minutes to chat with us at the conference and to learn a little bit more about Revco Solutions. It’s wonderful to be back out in the community with you again! We invite you to browse our materials to learn about the Revco Difference and to discover how our team can help your healthcare organization improve ...Ep. 49: Staffing challenges and opportunities facing the industry in 2023 November 1, 2022. Angela Stokes, the Chief Human Resources Officer at Revco Solutions, dives into the changing landscape of staffing and what it will take to hire and keep the best of the best in 2023. Limited availability, rising salaries, and a new understanding of ...Scammers are often pretty crafty, but they’ve started doing something called neighbor spoofing that makes it easy to identify a scam without picking up your phone. The fact that sc...Debt collections can cause severe damage to your credit score, and they are difficult to resolve. Revco Solutions specializes in health care and medical collections and has been in business since 1979. If you want to contact Revco Solutions, You can contact them here: Online Form. Revco Solutions' online form.Business Outlook. Pros. The pay is okay enough. Cons. They do not provide enough training. They say they're invested in your success but the moment you falter they come down on you and expect significant changes sooner rather than later. Show More. Helpful. Join the Revco Solutions team.Revco Solutions’s Go Beyond committee serves in the DRM facilities on a monthly basis. The St. Baldrick’s Foundation is a volunteer-powered charity committed to funding the most promising research to find cures for childhood cancers and give survivors long, healthy lives. In 2014, Revco Solutions adopted this charity and hosted a head ...United States 85 reviews. Ratings by category. 3.2 Work-Life Balance. 2.8 Pay & Benefits. 2.7 Job Security & Advancement. 2.9 Management. 3.0 Culture. Search reviews. Sort …Pay Your BillClient Log In. Affiliations Audits & Achievements. Revco Solutions Offices. Email: [email protected] Phone: 855-202-0113. Fax: 866-291-7413. NMLS ID: 237755. This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Compassionate Bad Debt Collection. Revco gets strong results by putting the patient first. Our representatives are deeply knowledgeable, trained to connect with patients in a friendly manner via call, text, email, or live chat and set them on a steady path to repayment. Partner With Us. These are the core metrics our team at Revco uses to propel our partners toward sustainable growth, both in revenue and reputation. Accounts Receivable (A/R) > 90 Definition: A/R > 90 measures the percentage of A/R that have been unpaid for 90 days or more.Jul 7, 2020 · Revco Solutions was founded in North Carolina in 1979 and has since grown to become the region’s premier provider of fast, efficient, and hassle-free debt recovery and accounts receivable services. This growth has been a direct result of our concentration on client service while remaining on the cutting edge of new technology and collection ... As you craft your financial policy, be sure to avoid jargon. You want every patient to easily understand how and when to pay. Include the following in your financial policy: Any deductible, co-pay, or down payment requirements. A specific payment date. The types of payment methods you accept (checks, credit cards, etc.).Depending on your state it might fall off your credit report fairly soon if you do nothing and don't pick up the phone. Not the best solution but also, not the worst. As you mentioned though with medical debt you can often have your bill reduced an enormous sum if you talk with the hospital, they'd rather get something from you than nothing.

Organization brings over 75 years of healthcare revenue cycle experience, earns award for third straight year. DURHAM, N.C., Sept. 13, 2023 /PRNewswire-PRWeb/ -- Revco Solutions, Inc. is proud to announce it was selected as one of the Best Places to Work in Collections for 2023 by the ACA International and Best Companies Group.This …. How to pair an xfinity remote to the box

is revco solutions legitimate

Revco Solutions Offices; Email: [email protected] Phone: 855-202-0113; Fax: 866-291-7413; NMLS ID: 237755; This is a communication from a debt collector. This is an ... Revco Solutions Inc. has been serving utility clients for decades. We provide services to public and privately held utility companies and cooperatives including electric, gas, telecommunications, water, and wastewater. Revco Solutions provides utility debt collection assistance with outstanding receivables from both consumers and businesses ...Professional Recovery Consultants, Inc. (PRC) is now officially Revco Solutions, Inc. (Revco Solutions or the Company). The 40-year-old collection agency, based in Durham, North Carolina, was ...October 23, 2020. DURHAM, N.C. — An industry leader in collections/revenue cycle management has a new name. Professional Recovery Consultants, Inc. (PRC) is now officially Revco Solutions, Inc. (Revco Solutions or the Company). The 40-year-old collection agency, based in Durham, North Carolina, was purchased in July 2019 by Longshore Capital ...August 13, 2019. DURHAM, NC – PRC is pleased to announce that Longshore Capital Partners, a leading private equity firm, recently completed a strategic investment in the company. “We are extremely pleased to have Longshore lead the next chapter of growth for PRC,” said PRC (Revco Solutions) President Geoff Miller. “We are confident that ...PRC (Revco Solutions) was founded in 1979 and has since grown to become a premier provider of fast, efficient, and hassle-free debt recovery and accounts receivable services for the healthcare industry. This growth has been a direct result of our concentration on client service, while remaining on the cutting edge of new technology … Revco Solutions understands the sensitive environment we are involved with and works diligently to protect our environment. Because we strive to achieve the highest standards in compliance and technology, we have chosen to pursue and obtain the following audits/certifications: Audited Financial Statements; Tech Lock Certified Audit for the ... Make Sure the Debt Is Legitimate. Nobody enjoys receiving calls from debt collectors, but the first step in dealing with a collections call is to answer the phone or at least listen to the voicemail. ... <<Revco Solutions>> may use this email address to communicate with you about the debt.If others have access to this email address, then it is ...Revco Solutions. Glassdoor gives you an inside look at what it's like to work at Revco Solutions, including salaries, reviews, office photos, and more. This is the Revco Solutions company profile. All content is posted anonymously by employees working at Revco Solutions. See what employees say it's like to work at Revco Solutions.Revco Solutions is a legitimate company. This means there is a process in place to dispute your debt. It also means that Revco Solutions is bound by law to follow fair practices when attempting to collect debts. Revco Solutions is a company that provides several different financial services for corporate clients.March 24, 2021. DURHAM, N.C. – Longshore Capital Partners (“Longshore”) and its portfolio company, Revco Solutions (“Revco”), are pleased to announce the acquisition of ARMC Financial Services (“ARMC”). Based in Oradell, NJ, ARMC is a healthcare revenue cycle management company that specializes in denials management, helping ...May 12, 2022 · Revco Management is the holding company for these two entities and CBCS changed its name to Revco Solutions, Inc. this past July in anticipation of the merger. Revco Solutions performs first and third-party debt collections, insurance follow-up, and other specialized accounts receivable management and call center services for various industries ... The pandemic has caused many people to lose their jobs and look for alternative ways to make money. Working from home is a great way to make money while staying safe and avoiding t...COMPLAINT with JURY DEMAND against All Defendants ( Filing fee $ 405 paid - receipt number: AOHSDC-9884255), filed by Julie Doucet. (Doucet, Troy) Doucet v. Revco Solutions, Inc. et al (2:24-cv-01367), Ohio Southern District Court, Filed: 03/25/2024 - PacerMonitor Mobile Federal and Bankruptcy Court PACER Dockets.Finally, PRC (Revco Solutions) continued its business supporting local community work for SAFEchild. SAFEchild is a Wake County nonprofit whose mission is to prevent child abuse in Wake County by helping adults and children create nurturing environments free from abuse and neglect. During the 2010 holiday season, instead of …Revco Solutions is a legitimate company. They’ve been in business since 1979, and they are authorized to collect debts on behalf of their clients. However, if you’re contacted by them about a debt, it’s important to verify the debt’s validity before agreeing to any payments..

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