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Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to helping you today.
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First, you can try putting together some documentation that explains why you don't feel you owe any money. That can include the information as to when payments were due and then any documentation which shows when payments were made, as well as documentation of the payment.
If you can't reach an agreement as to how much is owed then the only way to resolve it is to file a lawsuit asking the judge to decide how much, if any, is owed. This is called a declaratory judgment case.