Legal Question in Credit and Debt Law in Florida

It depends...How much is actually owed? The credit report could be wrong. It probably fails to account for ongoing interest (if there is any, depends on the nature of the debt). Is there a provision for cost of collection in the underlying document giving rise to the debt? (i.e.: judgment, contract etc...)

This is possibly a violation of the Florida Fair Debt Credit Act and Unfair and Deceptive Trade Practices Act. You need to have all of this reviewed carefully. Why not ask the collector where he or she comes up with this and where is it supported in any agreement or law. Tell him you are going to record the conversation and do it.

see www.ConsumerLawyerHelp.com