I haven’t ever received notice that I owe any money for restitution, so I probably don’t, right?

Not necessarily. While you should receive notice of your debt, it is possible that you won’t. As we said in the beginning of this Chapter, any number of things may have prevented the notice of your debt from getting to you. Even if you have received a demand notice, it is possible that the notice you received only covered some, but NOT all of your debts. Remember, your various debts may have been sent to different agencies. For this reason, it is possible that you owe money even if you did NOT receive a notice and it is possible that you owe more money than the notice stated. It is always better to check in order to be safe!