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I am behind in student loan and credit card payments and and just now able to consider getting back on track. I have been getting daily calls from someone saying that there has been a formal complant filed against me and my social security number, and that I or my legal counsel needs to contact him back immediately or I will lose the ability to "participate in the process" or something like that. I am not worried as much about my credit score as I am about a lawsuit. Should I talk to this person when he calls next? Should I just try to arrange payments with my debtors and ignore him? Thank you so much for your time.