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You probably did agree to it. It is pretty certain somewhere in the contract are terms pertaining to cancellation of services. The original creditor does not have to supply documents proving the debt is owed, unless it becomes an issue in a court. It is doubtful you have much recourse other than seeking legal representation. That would probably cost more than the debt/fee, and there would be no guarantee of the outcome.

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Q: What can you do SBC attempts to collect a cancellation fee you never agreed to and they will not produce documents to show you did agree?
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