Tomorrow (today) will be 30 days since I received the letter and I have not answered them, but wish to let them know I contest the debt. Do I have time to mail it to them, legally? Is a phone call advisable? Thinking about admitting the debt and trying to settle... is this not advisable in any realm? No I do not have the funds to settle anything but in a payment plan. Should i call them tomorrow? Any help is appreciated. Thanks!