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Collection Agency Disputes And Sample Letter
March 16, 2014
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. If they call you gain after
that, they will be violating the FDCPA. Do not worry about getting served with a lawsuit unless or until it actually happens.
They are violating the FDCPA if they are claiming you are being sued when, in fact, you are not. Here is a debt dispute/debt
validation letter you can use. Bear in mind that they are not required to produce all the documents my letter requests, but
it doesn’t hurt to ask.
The following letter can be copies for your use.
The letter should contain the speci cs that you have such as the creditor’s name and any known account numbers
The letter should be sent both by Certi ed Mail, Return Receipt Requested and by rst class mail.
If they accept the letter you will have a receipt. If they do not sign for the letter you have proof you sent it and they
refused to open it.
Your Name:
Your Address:
City, State Zip Code:
(NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION)
Collection Agency’s Name:
Collection Agency’s Address:
City, State Zip Code:
RE: Name of Company you represent, Account Number.
Dear Sir or Madam:
Your o ce 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. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices
Act, 15 USC 1692g Section 809(b) that your claim is disputed and validation is requested.
Pursuant to Section 809(b) of the Fair Debt Collection Practices Act:
“If the consumer noti es the debt collector in writing within the 30-day period described in subsection (a) that the debt, or
any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt
collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains veri cation of
the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or
judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.”
Accordingly, please provide me with the following:
1. 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. 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 veri cation 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. 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 o ces have reported invalidated information to any credit reporting agency, said action
might constitute fraud under both Federal and State Laws.
Yours truly:
Your Name:
If you are overhead in debt and thinking about ling 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 complementary and con dential
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