I OPENED AN ACCOUNT WITH CARE CREDIT IN ORDER TO JOIN A WEIGHT LOSS PROGRAM BUT I DIDN'T GET A CHANCE TO UTILIZE THIS ACCOUNT BECAUSE THE WEIGHT LOSS CENTER WENT OUT OF BUSINESS. SO WHEN I STARTED RECEIVING BILLS IN THE MAIL, I INFORMED THEM OF THIS SITUATION. NEXT, COLLECTION AGENCIES AND LAWYERS ARE CONTACTING ME IN REGARDS TO A PAST DUE AMOUNT OF MORE THAN THE ORIGINAL LOAN AMOUNT. AGAIN, THE SITUATION WAS EXPLAINED TO EACH PERSON I SPOKE WITH TRYING TO "COLLECT" THIS MONEY. NOW IT IS ON MY CREDIT REPORT AND ANOTHER LENDER HAS "PURCHASED" THE ACCOUNT. IS THIS FAIR THAT I STILL "OWE" THIS MONEY, EVEN THOUGH IT WASN'T SPENT? WHAT SHOULD I DO ABOUT THIS?