If I dispute a debt, and the creditor agrees to waive it, do I implicitly acknowledge the debt by accepting the waiver?
<p>A debt collection agency engaged a law firm to send me a letter of demand. The debt is 5 years old and I am not aware of it until I received the demand letter. From my perspective, I don't owe the debt. I asked for more info but they decided to waive it instead.</p>
<p>Do I implicitly acknowledge the debt by accepting the waiver?</p>
<p>I don't know enough about the subject matter to provide the needed context or to ask a good question. Please let me know if I'm lacking clarity and I'll try to elaborate. Thank you</p>

<h2>You don’t “accept” a waiver</h2>
<p>Waiving a right is a unilateral action - you aren’t involved. You can neither accept it nor reject it.</p>
<p>What you can do is rely on that waiver as an estoppel to them changing their mind latter.</p>

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