“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.
I doubt it.
Most property is protected (homestead, car, personal effects).
Most states they can’t garnish current wages.
They are businesses. They are not going to waste money on an attorney if they can’t collect it.
They seldom have the original note, to boot.