Debt Collection Dispute Letter Packet
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Debt Collection Dispute Letter Packet
Business services Mis instock If collectors are calling and demanding money for a debt that may not be yours or you cannot remember if it is yours, or the amount of the debt is wrong, according to the FDCPA you have the right to dispute the debt. Use this packet to assert your right, in writing, under Federal and applicable State law.
For use in all states.
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If, after having sent a debt collector/collection agency a cease communication letter, they continue to constantly call and harass you, use this letter to limit all future communication from the debt collector/collection agency. This letter informs the debt collector/collection agency of your legal rights, and your intent to contact the proper authorities, should the harassment continue.
For use in all states. |
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Mis
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Being harassed by a collection agency?Have you exhausted all efforts to negotiate and settle with the debt collector and seem to be running up against a brick wall? By law, you do not have to converse with a debt collector, or to bad debt buyers. Use the following letter to demand that the debt collector cease all communication with you.
Send this letter to the debt collector by Certified Mail Return Receipt Requested or by Priority Mail With Proof of Delivery Verification. For use in all states. |
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All states have a statute of limitations on their debt collection, which in legal terms means the time allowed for a debt collector to legally enforce the collection of that debt. Once it expires, a creditor or debt collector cannot threaten to use the courts to force you to pay the debt through legal actions such as litigation or obtaining a civil judgment, liens, or wage and bank account garnishments.
Save yourself and the creditor/debt collector time and money by sending a letter informing them of the expired statute of limitations. The following letter does just that. For use in all states. |
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A debtor is a person that has an obligation to pay a debt to a creditor. This debt may be for such things as a car, a personal loan, medical bills, rent or a credit card charge. Occasionally, the debtor may fall behind in his repayment of the debt. At this time, the creditor may employ a third party to recover the debt, often referred to as debt collectors or collection agencies.
While debt collectors are allowed to contact you for legitimate purposes, the Fair Debt Collection Practices Act (the FDCPA) prohibits any abusive, unfair or deceptive practices. Unfortunately, many of the practices of the debt collectors, while not reaching the level of prohibited behavior, may be extremely annoying and intrusive. For example, a debtor may receive dozens of calls and letters regarding the debt. There are, however, some options for debtors in this situation. The FDCPA includes specific provisions that, when employed, restrict the frequency and type of communication a debt collector can make with a debtor. This letter is designed to help the debtor take advantage of his rights under the FDCPA and restrict the manner and frequency of contact by collection agencies. In addition, for your reference we have included excerpts from the FDCPA regarding your rights as a debtor. This form can be used is all states. |
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