i received a phone call from a debt collect for the amount of 17000 for a past due tuition and fees. during the phone call he made it clear that this was a formality and they were just going to do an administrative garnishment or other legal means to get the money. i was not informed that he was a debt collector during this call. I told him i would call back after i figured things out.The second phone call did not go well i called to tell him i could not pay as i could not afford it. At this point I had researched that he was a debt collector and asked him what his job was. twice he told me "I am an employee at this firm" He got agitated with me and told me to pay 1000+ a month or 12000 now. DC hung up. a few days later i received a letter stating "notice of Intent to begin investigation"