Dispute Letter

Sample Dispute Letter

 

A PDF Version of this letter can be obtained here.

Both the FDCPA and the RFDCPA, in effect, allow you to dispute the validity of a debt within thirty days of when you receive the first written communication from the debt collector. Dispute the debt in writing. Disputing the debt over the telephone does not protect your rights. It is important that you do so, in writing, and within thirty days. The law limits the amount of time you have so dispute debts, so unless you are absolutely certain the debt collector is collecting a valid account and that the principle amount, interest amount, any fees, etc., are correct, dispute the debt in writing within thirty days of your first written communication from the debt collector. It will be too late later on. If you have any doubts whatsoever, dispute the debt - it can't hurt.

You need not get fancy with your debt collection letter. Simply tell the debt collector that you dispute the debt. Be sure to date the letter, include the name of the company or person to whom you allegedly owe the debt, include the account number, and sign the letter. Make a copy of the letter after you sign it and keep it for your file. You may also wish to send the letter certified mail or return receipt requested. (This last item is not required, but it may help you later.) Below is a good letter.

Dispute each debt individually. If one debt collector is collecting on two debts, send that collector two letters. You must dispute the debt every time the debt switches hands. If Acme Debt Collection contacts you on September 10, you must dispute the debt, in writing, no later than October 10. If, two weeks later, Bad Guy Debt Collector contacts you on the same debt, dispute the debt again within thirty days.

By disputing the debt to a third party debt collector, in writing, within thirty days, you force the debt collector to either validate the debt or stop collecting from you. With minor exceptions, if the debt collector contacts you in any manner after they receive the dispute letter, without validating the debt, they have violated the law and you are entitled to sue.