How do I fill this out? See a sample Answer Form for Consumer Credit Transaction.New York City residents can use this letter to dispute a debt, to verify a debt under NYC law, and to tell a collector to stop contacting them. Use this letter to dispute a debt and to tell a collector to stop contacting you. If you got a summons that says at the top the words: "CONSUMER CREDIT TRANSACTION," then you or your lawyer must come to court to answer. 1. In the sample letter, fill in your personal information. New York City Corporation Counsel's Office. Most forms may be filled out on your computer, printed and submitted for filing with the Department of State. If you got a summons that says at the top the words: "CONSUMER CREDIT TRANSACTION," then you or your lawyer must come to court to answer. When completing a payment on the Student Pay platform using a credit card, a CIBC convenience fee will apply.