Get information about a federal tax lien, including how to get rid of a lien, how a lien affects you and how to avoid a lien. Explain to them that you need a payoff statement so you can have this debt paid off within your refinance.Hello redditors, I need your help! This article will make the process of responding to a debt lawsuit a little bit easier and tell you how to answer a summons for debt collection in Texas. Retain a complete copy of the prior OTP in the permanent file. Neglect or refuse to fully pay the debt in time. Nothing brings more joy to my heart than a fresh lawsuit delivered to my door nice and early in the morning. " — said no one ever.