Writing a dispute letter to collection agency

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.

That is, prove that there is a debt that you owe. According to the information stated by your firm, the date of the last activity by the creditor is on May of Copies of any documents that show I agreed to pay what you say I owe; 4. If the debt cannot be validated by the collection agency, do not assume the account will not continue to appear on your credit report.

A business format should used and in the top corner write your address and the date. I have disputed this debt; therefore, until validated, you know your information concerning this debt is inaccurate.

That unless you dispute the debt within 30 days of the receipt of that letter, they can assume it is valid. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.

Allow at least 60 to 90 days after disputing the account with the credit agency and order a copy of your credit report from Trans Union, Experian, and Equifax to ensure the item is no longer being reported. You can, within the first 30 days, demand that the collector validate the debt for you.

Use the Secretary of State or Division of Corporations website in the state where the collection agency operates to search for the agency. The collector, at this time, does not have to validate the debt or provide you any documents, but at least they are on notice of the dispute, and must notify any credit reporting agency they communicate to that the debt is disputed.

Follow these and clear out the issues regarding your debts with them. Please provide me with the following: The next thing you can do is that you can provide a proof if it is true that you have paid the debt.

It should be typed and printed from a computer and have accurate spelling and grammar. 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.

Maybe the debt is not yours, maybe it is but you dispute the account, or maybe you are unsure. That if the you notify the debt collector in writing within the day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment you if there is one, and a copy of such verification or judgment will be mailed to you by the debt collector.

I am fully aware of the rights under the Act of Fair Debt collection practices. Continue calling back until you can speak with a manager or supervisor.

If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.

Here, the section allows you to request that the agency to validate that it owns a debt and show the necessary proof the agency owns the debt. According to attorney Sergei Lemberg, some debt collectors might become more aggressive when an account is disputed.

Documentation showing that you are licensed to collect in my state; and 8. If you dispute the debt, then anytime the collector reports that debt to a credit reporting agency, then they must report that the debt is a disputed debt.

Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. I have disputed this debt; therefore, until validated, you know your information concerning this debt is inaccurate.

The dispute letter should also include a citation to the Fair Debt Collection Practices Act--particularly Section b and a disclosure that you are keeping records of all communications initiated by the collection agency, advises The Consumerist website. A detailed explanation of how you calculated the amount you say I owe; 3.

In addition, verify the collection agency is legitimate. We can discuss your problem and let you know what options you have. When a debt collector first contacts you, they typically send you a letter telling you who they are, what debt they are collecting, and how much you owe. Upon speaking with a supervisor or manager, ask him to send you verification of the debt and notify him you intend to dispute the account.

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. The alleged debt is in the state mention the place from where you got the letter.

You can, within the first 30 days, demand that the collector validate the debt for you. Include the essential elements of the dispute letter. Each state regulates these businesses, and they must be registered to operate legally.

Additionally, you cannot add interest or fees except those allowed by the original contract or state law. These are the norms and rules as to how you can go about writing a dispute letter to a collection agency.

The amount of debt owed The mane of the creditor to whom the debt was owed Provide with a verification copy or any judgment copy if applicable Prove that you are an indeed licensed debt collector after this you can insert the name of your state Please, keep all the records of my correspondence from your agency.

You have an absolute right to dispute the debt. Use this sample collection agency dispute letter as a template for your formal notification. When a consumer receives a debt collection letter from a collection agency in the mail, it may be unsettling, especially if the consumer did not incur the debt.

Debt Validation Letter — Request Collection Agency to Validate Debt Written by: Kristy Welsh I am sending this letter to you in response to a collection notice I received from you on (date of letter). Be advised, this is not a refusal to pay, but validation is requested. I would also like to request, in writing, that no telephone.

Debt Settlement Letters and Sample Letters on Debt and Credit The sample debt settlement letters and validation letters on this page will help you negotiate and validate your debts and understand how to deal with creditors or collection agencies (CA) in writing.

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. Collection Agency Disputes And Sample Letter. March 16, Robert J.

Adams & Associates is a full service law firm. I am writing in response to your letter or phone call dated _____. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section (b), Validating.

Use this letter and the following form to make the agency verify that the debt is actually yours and owed by you. Keep a copy for your files and send the letter registered mail. We have more sample credit repair letters for you to use.

Writing a dispute letter to collection agency