You may agree that you owe part or all of the money that the creditor is asking for. In this case, you should think about the following issues before writing back to the creditor:
How much of the money do you agree you owe?
If you don't owe all the money, why don't you think you owe the whole amount?
If you don't owe the whole amount, can you prove why?
Can you pay the money back in one payment, or will you pay it back over time?
If you can't pay the money back now, when will you be able to pay the money back?
It is a good idea to get help working out what payments you can afford from a financial counsellor. You can find a free financial counsellor through the website of the Financial Counsellors' Association of NSW (FCAN).