Woman doesn’t pay her $60 co-pays for physical therapy. A debt collector sends her letters for three years; she doesn’t pay, so the debt collector informs credit reporting agency that she owes nine debts of $60. Yikes! The woman sues the debt collector because the debt should have been reported in aggregate ($540)—not as nine separate debts of $60. District court: Yup, the debt collector must pay her $1,000. Seventh Circuit: Reversed. No law or regulation actually says that.