L on Instagram: "If a debt collector is threatening to sue you, do NOT ignore it — and do NOT panic. Here’s what most people don’t know 👇 ⚖️ They must prove the debt is valid 📄 They must prove they own it 🖊️ They must prove YOU legally owe it If they can’t verify it properly, they cannot legally move forward. Most people lose these cases because they don’t respond the right way or on time. That’s where strategy matters. If you’re dealing with collection threats, court letters, or wage garnish