[RR]

It depends how hard you want to fight. The easiest thing might be to just pay $400. If you don't pay and stay on top of it you should be able to collect something form the collectors. Generally collection agencies ignore the FDCPA because the maximum they can lose to a law suit for it is $1k and most people that owe money hide rather than sueing these people. Generally after they violate the law you send them a draft of a complaint to be filed in federal court and they send you a check and go away.