Absolutely. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe. Furthermore, you do not have to pay debts that you do not believe you all. For example, suppose someone says you all $300 for a debt plus $25 as an overcharge fee. If you believe that you do not owe the overcharge fee you do not have to pay that. Be sure to tell the creditor, in writing, that you do not want any money applied towards the overcharged fee. If the debt collector or creditor applies any of the money you send them after that to the overcharged fee that violates the law.