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Debt was already discharged in bankruptcy and is no longer owed. The issue that I am having is that the company in question ( COLLECTION BUREAU OF AMERICA ) will not send me any formal validation of the debt, will not send me any formal letter in writing stating how much I owe or conditions and terms if I pay the debt. I want a formal agreement in writing that if I pay the debt, that it will be removed from my credit report and the representative at the company, XXXX XXXX has disagreed to do so, and told me this was not possible. First rule of doing these things is to always have everything in writing and they do not want to do so until AFTER the debt is paid, which is bad practice.