The Consumer Financial Protection Bureau offers sample letters the debtor can use to dispute a debt. Answer a debt collection lawsuit properly.To respond, file a written Answer where you reply to each claim from the Complaint and assert your affirmative defenses. If your case is dismissed with prejudice (that means the debt buyer cannot file again), dispute the debt with the credit agencies. In ruling on a motion under Section 78B25103, the court shall dismiss with prejudice a cause of action, or part of a cause of action. Since you are a party to the conversation and you consent to recording it, you can legally record your phone calls with the debt collector and their lawyer. Utah residents have rights when dealing with debt collectors. This bill addresses the expungement of records. This law is called the Fair Debt Collection Practices Act. The law limits what a collection agency can do.