It depends on the situation. It is important to first understand where the debt is coming from or why it is owed. Once this is determined, debtors can make their decision. For one, if a debtor is certain that they do not owe a specific amount of money, disputing it may be their best option. If they do owe the money, however, coming to a settlement may be their best option so as to avoid racking up an even larger number.