I have recieved a letter and a bunch of calls from this law firm saying I have 30 days to dispute the validity of a debt from Asset Acceptance Corp. for 1664.84 or they will file a law suit. This bill was made with providian when I was homeless in 1997. What do I do, it's been so long and I'm bearly making it now I can't afford to get sued. I know I have to send a letter but what should it contain? I seriously don't know how I would begin or end it, not very good at all with this kind of thing.