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Until the debt is either paid or forgiven, you still owe the money. This is true even if it's a credit card debt that is sold to a collection agency and even if you think it's unfair.

Don't provide personal or sensitive financial information Never give out or confirm personal or sensitive financial information ? such as your bank account, credit card, or full Social Security number ? unless you know the company or person you are talking with is a real debt collector.

Can you dispute a debt if it was sold to a collection agency? Your rights are the same as if you were dealing with the original creditor. If you do not believe you should pay the debt, for example, if a debt is stature barred or prescribed, then you can dispute the debt.

In this letter, you should include: Your name and address. Collection agency's name and address. Acknowledgment of contact from a collection agency, including the date they contacted you. A statement saying you dispute the debt. Request for proof that the debt is valid and belongs to you.

If a pleading to which an answer is permitted is so vague or ambiguous that a party cannot reasonably frame an answer, the party may move for a more definite statement before answering. The motion shall point out the defects complained of and the details desired.

U.S. Bankruptcy Courts handle bankruptcy cases. Magistrate Judges handle some District Court matters. States also usually have courts that handle specific legal matters, e.g., probate court (wills and estates); juvenile court; family court; etc.