Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to challenge the validity of a debt [title] Find any information you have in your own records about the supposed debt. [step] You may not have anything, but if you do, you may be able to use it to your advantage down the road. This includes purchase agreements, statements and other pieces of information you have in reference to the alleged debt.

Ending1: This information shows that the debt is not fraudulent. [title] Make use of peer-to-peer services. Ending2: [title] Draft a debt validation letter to the collection agency. [step] You must do this within 30 days of the original letter you received from the agency or else you will lose your chance to dispute the debt. Ending3: [title] Delete any negative information you find. [step] You may need to leave a negative sign next to every other piece of information you find which relates back to the stated debt debt. Ending4: [title] Request records from the subject in question. [step] Many attorneys go against their reputation in court by continuing to intentionally withhold information regarding the debt they did not owe you.

Answer format: ending1/ending2/ending3/ending4