Your first step is to fill out an Answer form. Filing an Answer to the Complaint forces the other side to prove their case with evidence.Every debt collection letter must start with precise, professional contact details from your law firm and the client. 1. In the sample letter, fill in your personal information. I am writing to inform you that I disagree with all debts you are collecting on or are placed with your company, in my name. The law protects you from abusive, unfair, or deceptive debt collection practices. Here is information about some common debt collection issues. Former debt collection executive turned ID Theft and Bank Hacking attorney helps you use the laws to get your money and your real credit report back. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. You may want to stave off debt collectors for a little longer.