<prompt> Human: I didnt like the way my education was being handled through the technical school of my choice and decided to transfer educational facilities. I had to withdraw from my classes. I was told because I was using a FASFA grant and aid that I may owe money back if I chose to do this and this seemed reasonable at the time note this happened around 4 months ago. After I initially dropped, I got a letter saying I would owe 1,917.83. As soon as I got the letter I called the facility and asked what I could do about this. I was told by the cashier that I would be given an opportunity to set up a payment plan at the end of the academic year and could not set up a payment plan while the semester I enrolled in was still active. Fast forward to today and I received a Debtor Notice saying I owed this money in full and they have the right to use three methods to get this money from me: 1 They have access to my tax return. 2 Anything in my name they can liquidate. 3 Any bank account in my name can be seized. The letter said I had 30 days to dispute any claims. I contacted the school immediately and was told by the cashier that once it gets to that point it is out of their hands. She told I would have to come up to the facility and talk to a debtor face to face. What rights do I have about paying this debt? I have no problem utilizing a payment plan but that option was honestly never even given to me. Now they want everything I own.  <response>: Collectors always go in guns blazing, it is their strong arm intimidation tactics. Fear is a good motivator. Most of what they say is bullshit, and in some cases 100 of it is bullshit and you dont owe anything. You have rights as a consumer, even an indebted one. 