<prompt> Human: I was in a small car accident, it turns out I wasnt insured.Long story short, I paid the other parties deductible and received it in writing that they would no longer pursue me for more .Fast forward I get a call from what I assume is a debt collector saying I owe them 1200 for the car accident, idk what to do!I was told if I refused to pay that my license would be suspended, and my vehicle as well I think...I know its not an insane amount, but how do I know it will end there?  <response>: 1. Make the collector give you as many details as possible. MAKE SURE THEY ARE NOT SCAMMERS. They cant make claims like your license will be suspended. They arent the fucking court system.1. Dont give them any information about your finances, your bank records or even personal contact information. 1. Tell them the claim is not valid and you have documentation and youre willing to send them that documentation via certified, return receipt mail.1. NOW, before this next step, make sure youve got everything from step 1. You want all the details possible about the collector e.g. Name of agency, name of agent, mailing addresses, phone numbers... You have a legal right to tell them to stop contacting you. Some collectors wont respect youre verbal command so you may have to send them a leave me the fuck alone letter. See details here: 1. Lastly, if they insist that you still owe them money despite all the evidence to the contrary, let them report you to the credit agency. This will be a pain in the ass, but you can dispute the claim with each agency and have them remove it from your record after providing sufficient evidence..Good luck! I fucking hate collectors with a passion. Just be a bitch to them and make sure you get your way. Remember, dont take it personally... they view you as just another day at the office and youre just a number to them.Ignore any threats they make.. the worst thing they can possibly do is turn this over to the credit agency. PS. If the agency ignores your request to be left alone, you can report them. From the website: report any problems you have with a debt collector to your state Attorney Generals office and the Federal Trade Commission Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney Generals office can help you determine your rights under your states law. 