Many people may believe or hope that if they ignore a debt collection letter that the problem may go away. Of course it’s possible that it will, but it’s difficult to know for sure. The creditor may choose to report the matter to the credit bureaus. If you are concerned about your credit score, ignoring the letter could be a bad idea.
If you have a dispute, your best course of action may be to provide documentation. The creditor may be willing to forgive the debt or negotiate a settlement.
If you simply ignore the matter, you will be left guessing as to what actions will be taken.