Makes sense about the library. I had 2 books that i could not find to save my life and got a letter about collections. Once i realized libraries did this i turned my house upside down and found them, returned them and the balance is now $12. he said it was the collections fee. If i pay that within 120 days it wont show up on my credit.

I saw that it was a number I did not recognize so I did not answer. They did not leave a message but my caller ID said it was "Broadband Dynamics" in New Albany, IN.