Look up your own.

It takes four minutes.

Search your state’s name and the phrase doctrine of necessaries and read one page.

I married a man with end-stage liver disease and I did not know that sentence existed, and I am a chartered accountant, and I had thought harder about the parking.

Two. If a collection letter arrives, you have thirty days, and you must use them in writing.

Under federal law you may dispute a debt and demand verification within thirty days of first contact, and if you do, the agency has to stop collecting until it obtains the verification and sends it to you.