How to write a disputed debt letter

Maybe the debt is not yours, maybe it is but you dispute the account, or maybe you are unsure. You have an absolute right to dispute the debt.

How to write a disputed debt letter

Name of Company you represent, Account Number.

how to write a disputed debt letter

Dear Sir or Madam: Your office has been calling me about a debt you claim I owe but which I have no knowledge of. The purpose of this letter is to dispute this debt, which I do not believe I owe, and to request that you validate it by providing the documentation and information requested below.

how to write a disputed debt letter

This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC g Section b that your claim is disputed and validation is requested. A detailed accounting of what the money you say I owe is for; 2.

A detailed explanation of how you calculated the amount you say I owe; 3. Copies of any documents that show I agreed to pay what you say I owe; 4.

Debt validation letter sent to credit bureaus if collection agency fails to validate debt.

Identify the original creditor and provide their current contact information; 5. Proof that the Statute of Limitations has not expired on this account; 6. Documentation showing that you have the legal right to collect this debt; 7. Documentation showing that you are licensed to collect in my state; and 8.

Provide me with the contact information for your Registered Agent for Service of Process. I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I know that because I have disputed this debt in writing within 30 days of the date of your bill, you must obtain verification of the debt against me and mail these items to me at your expense.

Additionally, you cannot add interest or fees except those allowed by the original contract or state law.

Broke-Ass Student » Blog Archive » How To Fight Back Against Collection Agencies

While you are not required to respond to this dispute, any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as Experian, Equifax or TransUnion, then you must immediately inform them of my dispute with this debt.

Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.

If you are overhead in debt and thinking about filing a Chapter 7 or Chapter 13 bankruptcy please feel free to contact us. We can discuss your problem and let you know what options you have. Our consultation is free and confidential.In the letter, say that you “dispute the debt” and that you want a court to decide the problem.

Can’t make your debt review payments this month?

the collection agency can try to collect other debts that you owe and have not disputed. Write a letter to dispute the debt.

3. Find out what happens if a collection agency decides to sue you. Debt Validation Letter – What happens when I send one? The common practice when an account is disputed is to validate it.

There could be a 90/10, a 50/50, or a 20/80 chance that they will do so. If you take a look at this site we provide you all the information you need such as guides on debt management and an individual voluntary arrangement, plus the ability to read and write reviews about the different debt is clear from the current reviews is that a lot of people have had bad experiences dealing with Akinika debt recovery.


Subscribe to our mailing list Oaks, Quorum of the 12 Apostles. Critics' Arguments Latter-day Saints are repeatedly encouraged to rely on a witness of the spirit i.

reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit. If you have been contacted by a debt collector that is not the original creditor or representing the original creditor, I think it would be smart to ask the debt collector to validate the debt and prove you actually owe it if there is any doubt on your part you owe the debt.

The next time a collection agency or debt buyer company calls, get their company name and address. Then send them 1) a letter telling them they are not to call you anymore, and 2) a debt dispute/debt validation letter.

Sample Debt Validation Letter (Send to Debt Collectors)