You also have the right to defend yourself in court if you feel that the amount they say you owe is incorrect. (sapling.com)
A detailed listing of fees they may have charged on top of that to show how they arrived at the amount they say you owe. (getoutofdebt.org)
This is sometimes known as a «10 - day payoff letter» which means that the amount they say you owe is valid for 10 days from the date the letter was written; however, keep in mind that during those 10 days, daily interest charges may continue until you pay it off completely. (800loanmart.com)