They seldom sue.
Add this line:
“I dispute the validity of the debt, but even if I did not, I have no means of paying it. I have no money or means to obtain money.”
They won’t bother.
“I dispute the validity of the debt, but even if I did not, I have no means of paying it. I have no money or means to obtain money.”
They won’t bother.
______________________
They will send you a copy of the note or contract you signed. Validity is proved.
Do you own property? A home? Do you live in a garnishment state? Do you owe them more than $5000?
They will sue.