<prompt> Human: What is the best way to dispute debt? Should I dispute? What plan should I have? What should I do? Will somebody please help me with my financial disaster? Any way of getting out of paying? Assistant: Reason why I put that I sobered up is to show that I am being a responsible person now and to also show I was irresponsible before. Thank you.  <response>: A responsible person would get a job and pay off the debt. You can pay it off in like 4 years if you throw 300 a month at it. 