I received a FINAL NOTICE from University of Utah Health Care Collections. Letter dated 1/29/2014. Received 2/11/2014. It gave 10 days to pay balance before assigning to outside collections. I called today to resolve (account is in dispute - I certainly owe some of the money, but am disputing some of the charges). They told me it had been assigned to outside collections on 1/30/2014, 1 day into the 10-day notice period. Is this legal? What should I do?