When a debt collection agency buys your debt from a business you may not recognize this new creditors name. Within 30 days of receiving the written notice of debt send a written dispute to the debt collection agency.
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You always have the right to dispute the.
Dispute debt collection. You need to know where the debt came from initially. Send the debt collector a letter disputing it within 30 days of the debt collectors initial contact with you. Initial Debt Collection Dispute Letter Todays Date Your Name Your Address Collectors Name Collectors Address Dear insert name of collector or company I am writing in response to your letter or phone call dated insert date copy enclosed because I do not believe I owe what you say I owe.
If youre sure the debt is nothing to do with you contact the creditor and tell them. Even if the 30. You can dispute the debt over the phone when the collector calls you.
Youre contacted by a debt collector. Check the letter to see if it shows a creditor name or account number that matches a debt you have or if the balance owing is the same. If you dispute the validity of the debt within 30 days of receiving this information the debt collector cannot contact you until it has provided you with proof of the debt.
You dont agree that you owe that much or anything at all. If not contact the collection agency to check. You can also use the sample dispute letter to discover the name and address of the original creditor.
Once you dispute the debt the debt collector must stop all debt collection activities until it sends you verification of the debt. 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. Always ask what company you originally owed so that you can look at your financial records and see if you owe the debt.
After the debt collector receives your letter. You can use this sample dispute letter PDF as a model. How do I dispute the debt.
What to do next to save your credit from crashing.
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