A person or business you owe money to is called a creditor. If a creditor wants to force you to pay a debt, they first must ask the court for a judgment.A demand letter is an official notice requesting money, possession of assets, or action on a legal matter. You can use this letter to tell a debt collector that you receive income from Social Security or VA benefits. How to use this letter: Read the background below. 1. Enter your address at the top of the letter. Where can I find court approved forms? The Virginia Judicial System has a number of forms for each court available on the court's form page. In Virginia, there is no deadline to file a response to a debt lawsuit. Calling can be effective, but be respectful and don't make threats.