too bad you cant get out of student loans. from what i understand, you cant even file bankruptcy on them
if you have a credit card though, depending on how far behind you are on it, and if its written off or not, you may be able to settle out the account for less than what you owe. if you're a few months behind, they may have some programs available where you can pay an amount (maybe a little higher than what your minimum payments are) for a few months, and they will bring your account back to current.
again, if its a legitimate debt, you're probably not going to get out of it unless you get a completely retarded collector. i know what my job/duties are, and im not going to fuck up my job by calling someone after getting a C&D, harassing them, etc. some places will request a C&D in writing, if its a home number...a simple "dont call me" wont be sufficient. it has to be in writing.
what you're seeing above is from a fraudulent account, and they could not prove it was a valid debt, which is how he got a case
i may actually be suing my auto insurance company soon for claiming that they have a discount program through a 3rd party company, to discount my medical bills to my chiropracter. they're not aware that the Dr. i'm going to is the office my mom works for, and the doc is very aware of whats going on. they have until this past monday i believe to get a copy of the contract the doc supposedly signed saying he's going to take discounts for PI cases, which he said he's 99% sure he doesnt have. should be good