I am responding to your recent contact regarding an alleged debt you are trying to collect. I request that you provide competent evidence that I owe the debt and send me the following information: The amount of the debt Copies of documents that show I agreed to pay the debt The identity of the original creditor Proof that the Statute of Limitations has not expired on … According to the Fair Debt Collection Practices Act (FDCPA) you you have the right to dispute any consumer debt within thirty days of written notice about that debt. Send the debt collector a letter disputing it within 30 days of the debt collector’s initial contact with you. You can choose to send a letter in your own name … Finally, don’t be surprised if you never hear from the collector because when collectors cannot verify a debt, they usually drop the account or sell it to another collector. … ); If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amounts; Identify the last payment on the account; and. �y?wc��;�����kr�}���N'(G��|Q�dr���Q�b@A�2�2{}��A�N�Ŏ�@����|V\k��9��-�}��O�u��ϲa���`��[�q���Y��R�����FT���������������Vor��:���y��B���$ eBFi!��̦?T�������5U�0�4�B�5;�� Initial Debt Collection Dispute Letter Today’s Date Your Name Your Address Collector’s Name Collector’s Address Dear {insert name of collector or company}, I am writing in response to your (letter or phone … 2 0 obj 3 0 obj In the letter… In that first letter you get from the debt collector, they must tell you: That unless you dispute the debt within 30 days of the receipt of that letter, they can assume it is valid. Writing a letter to the credit bureaus or a debt collection agency can be daunting. Also, recognize that the Fair Debt Collection Practices Act does not require collectors to respond to your dispute unless they intend to take specific actions such as pursuing court actions. By providing your wireless telephone number you agree and acknowledge that we may send text messages to your wireless telephone number for any purpose, including following up on your inquiry and request for review, or for what you may consider to be marketing purposes. endobj If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Keep in mind, you … Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. I have asked for this information to make an informed decision about your claim that I owe this money. In the letter, reference the date of the initial contact and the method, for example, "a phone call received from your agency on April 25, 2019." Use the sample debt validation letter for medical bills provided below. �C����N� �j�Ng�N�]*��t�_�k�!�������I�t�v�Ƌ�3��v�+����\ ���ҘU�U���R�+R�a�p��W(�,�V��$)���Ŧ�V%*�_� �殥u(޹'��Ԙ�lX��l��T���Q���}xX�Ifώ��w1|1�ʑ��?�&�< I do not have any responsibility for the debt you’re trying to collect. 4 0 obj On March 1,2014 I noticed this debt had been placed on my credit report. All you have to do is send an initial dispute letter to stop calls, at least until the debt is fully validated. Specifically, I demand you supply the following information: Why you think I owe the debt and to whom I owe it, including: Details about your authority to collect this debt. New York City regulations require all debt … Debt collectors must send you a debt validation letter when they initiate contact with you. Mail your letter to the collection agency. pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. The name and address of the creditor to whom the debt is currently owed, when the current creditor obtained the debt, who the current creditor obtained it from, the account number used by that creditor, and the amount owed (itemizing interest and any other fees or charges); If this debt started with a different creditor, provide the name and address of the original creditor (including any other name by which I might know them, if that is different from the official name), the account number used by that creditor, and the amount owed to that creditor at the time it was transferred (itemizing interest and any other fees or charges); Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor (i.e., a copy of the original written agreement, monthly statements, a purchase order, invoice(s), etc. You have 30 days to dispute a debt or part of a debt from when you receive the required information from the debt collector. Don’t just accept the conversation quickly deteriorating into verbal harassment and abuse, do something about it. Also, get your free, annual credit report online or at 877-322-8228 and see if the debt shows up there. You also need to provide a statement that you're requesting validation of the debt. If you are contacting me from outside my state and that state requires you to be licensed to collect debts: Provide the date of the license, the name on the license, and the license number. <>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> We’ve gathered all of our sample letter templates, as well as writing tips to help you personalize your letter and get the best outcome for your dispute … You must send your letter within 30 days of the date on the notice you received to take advantage of the protections afforded to you by federal law. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that (along with the name and address of the original creditor). �����[Ć�c|EpD��n������bo����@L��S��{�Bʹ�\��,����R��2��*�TE$�9��:g��B��T^Dqz��@��`}�&��~k�j�`U=W;\�J� �y��ȸ ٫�bp@Tm+2\��L��i+�i{r�I%/K. stream What is a credit dispute letter? Contact us for advice before using this letter. Use these free mailing and record-keeping instructions. If you are required to be licensed to collect debts in my state: Provide the date of the license, the name on the license, and the license number. People often confuse this validation request as a debt verification letter but it contains less information. Each call could be worth five hundred to fifteen hundred dollars damages to you, and each law violated could entitle you to statutory damages of up to $1,000 or more, plus actual damages, plus attorney fees. In addition to sending a letter, you may also want to dispute the collection account by using each CRAs online dispute mechanism. Feel free to copy and paste the letter below into your word processor. When you send a credit dispute letter to any of the credit bureaus (Experian, Transunion, or Equifax), by law they must investigate and resolve your dispute within 30 days. RIGHT TO NOTICE OF DEBT: Within 5 DAYS of first contacting you, the debt collector must send you a letter telling you: the amount of the debt the name of the creditor information about what you can do if … Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. That does not mean you cannot … Send the original letter to the collection agency. You should make at least one copy of the letter … Are they demanding money you don’t remember owing or an amount you think may be wrong? If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. Your rights under various consumer protection statutes may be violated by each contact. According to the Fair You have this right even if you’ve tried to explain why you do not believe particular debt is yours, and even where the collector continues to ignore your explanation and demands payment today. Are collectors calling and demanding money for a debt that may not be yours? After the debt collector receives your letter of dispute letter, he must either provide you with written … Use this letter to complain to debt collection agencies who are pursuing you when you do not owe the debt. I am responding to your recent contact regarding an alleged debt you are trying to collect. Y�gQ�}i/�I�&��� If you’re still uncertain about the debt … … It is highly recommended that any communication that … Dispute the debt in writing. If you’ve already sent an initial debt dispute letter and have heard nothing back, consider using this follow up debt collection dispute letter to be sure. endobj %���� Provide verification and documentation about why this is a debt that I am required to pay. If you report it to a credit bureau (or have already done so), also report that the debt is disputed. 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. Do not owe the debt; Want the debt collector to stop contacting you while you dispute the debt; Want the debt collector to only contact you through a lawyer; Want to specify how the debt collector can contact you * These letters are not legal advice.
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