Debt Collection Dispute Letter Packet

for Your State

This Debt Collection Dispute Letter Packet contains two letters for use when disputing a debt. The first letter sets out the reasons why you feel the debt is not yours and the second is a reminder letter to be sent if the collection agency does not respond to your initial letter in a timely manner.

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This Debt Collection Dispute Letter Packet contains two letters for use in disputing a debt. The first letter sets forth the reasons why the debt is in dispute and requests that the collection agency provide all relevant information regarding the debt. The second letter is sent to the agency as a reminder that they have not responded to your initial letter regarding the disputed debt. It is important that debt dispute letters be set forth in writing. A written communication of a debt collection dispute will serve as official record that you are making every effort to resolve the matter.

This Debt Collection Dispute Letter Packet contains the following:
  • Letter Disputing a Debt: This letter sets out that the debt which the collector holds is in dispute and the detailed reasons why. It also sets out that the information is inaccurate and should be reported as incorrect to all credit reporting agencies;
  • Follow-Up Letter: This letter follows up an initial debt dispute communication and asks why collection agency has failed to respond. It also sets forth that failure to respond violates the Fair Debt Collections Act.

Protect Yourself and Your Rights by using this accurate and up-to-date form. This attorney-prepared package includes:
  1. Information
  2. Debt Collection Dispute Letter Packet
State Law Compliance: This form complies with the laws of all states
Number of Pages5
DimensionsDesigned for Letter Size (8.5" x 11")
EditableYes (.doc, .wpd and .rtf)
UsageUnlimited number of prints
Product number#29275
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.
Your Name
Your Address
City, State & Zip
 
Date
 
Collectors Name
Address
City, State & Zip
 
Dear Sir or Madam:
 
I am writing in response to your (letter or phone call) dated (insert date here), because I do not believe I owe that you say I owe.
 
This is the first time Ive heard from you, or any other company on this matter, therefore, in accordance with the Fair Debt Collection Practices Act (FDCPA), Section 809(b): Validating Debts:
 
(b) If the consumer notifies 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 verification of the debt or any copy of a judgment or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
 
I respectfully request that you provide me with the following information and documentation:
 
   The amount of the debt
   The name and address of the creditor to whom the debt is owed
   Provide a verification or copy of any civil judgment (if applicable)
   Proof that you are licensed to collect debts in (insert the name of your state)
 
Be advised that I am fully aware of my rights under the FDCPA and the Fair Credit Reporting Act (FCRA). For instance, I know that:
 
Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification and documentation of the debt or a copy of the civil judgment against me and mail these items and documents to me at your expense.
 
You cannot add interest or fees except those allowed by the original contract or state law.
 
You do not have to respond to this dispute but if you do, any attempt to collect this debt without validation constitutes a violation to the FDCPA.
Also, be advised that I am keeping perfect records of all correspondence from you and any further attempts to contact me by telephone; you will agree that I may record our telephone conversations. I will hesitate to report any 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. Thus, if you have reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB), then you must immediately inform them of my dispute with this debt.  Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA, § 1681s-2.  Should you pursue a judgment without validation, I will inform the court and sitting judge, and request the case to be dismissed based on your failure to comply with the FDCPA, and all court costs and attorney fees to be assessed against 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 aware of my dispute with this debt.
 
Sincerely yours,
 
Your Signature
 
Your Printed Name
[You disputed a debt over 30 days ago… but the collector has failed to respond. Its a good idea to follow up an initial debt dispute letter with another letter reminding the debt collector of your dispute, and your request for validation. Use this letter to draft your own personal letter but ONLY if you have already sent an initial dispute letter and the collector failed to respond. ]
 
Your Name
Address
City, State & Zip
 
Date
 
Collectors Name
Address
City, State & Zip
 
Dear Sir or Madam:
 
I am writing to you because I have not heard from you regarding my letter of (insert date here).
 
On (insert date of initial dispute letter here) I sent you a letter, a copy that is attached hereto. I believe my first letter is self-explanatory, and in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809(b): Validating Debts:
 
(b) If the consumer notifies 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 verification of the debt or any copy of a judgment or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
 
I must remind you that in my previous letter, I requested the following information:
 
   The amount of the debt
   The name and address of the creditor to whom the debt is owed
   Provide a verification or copy of any civil judgment (if applicable)
   Proof that you are licensed to collect debts in (insert the name of your state)
 
I also requested that if you have reported me to any credit reporting agency, that you inform the credit-reporting agency that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, asked that you immediately send a copy of my letter of (insert date of initial dispute letter here) to the company (creditor) that you say I owe money, so they are also aware of my dispute with this alleged debt.
 
As of the date of this letter, you have failed to respond to my requests!  
 
Since you have failed to respond, I assume that you have been unable to validate and prove the debt. Therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA.
 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA.  Be assured that I have kept perfect records of all correspondence and telephone calls.  Be further advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, the local and national Better Business Bureau, plus my state Department of Professional Regulations.
 
Please govern yourselves accordingly.
 
Sincerely yours,
 
Your Signature
 
Your Printed Name
 
Notice: This is an attempt to make a debt collector obey the law; any information obtained will be used for that purpose.
 
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