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Go to the post office and send it by certified mail with return-receipt requested then, take the cash receipt stamped with the amount and date and when your certified return receipt arrives via the mail, save both of these in a file marked ?Credit Disputes?. Mailing Instructions For Disputing Debt Collections fair-debt-collection.com ? disputing-collections fair-debt-collection.com ? disputing-collections

However, they're required to send a debt validation letter within five days of first contacting you. If you don't receive a debt validation letter within 10 days of initial contact, you can submit a complaint to the Consumer Financial Protection Bureau.

To further establish as evidence the date and fact that you sent the debt collector a DV letter, it's a good idea to have someone else mail your DV letter along with an "Affidavit of Mailing". This signed and notarized affidavit by a third party will firmly establish your evidence of mailing the DV letter.

Here's the important part: You have just 30 days to respond to a debt validation letter with your debt verification letter. If you don't dispute the debt within 30 days, the debt is assumed valid. That means the debt collector can continue to contact you. You can still send a dispute after 30 days.

Send a formal demand letter. This document states the amount of money owed and gives the customer a specific timeframe to pay it back. If you don't receive payment after sending a demand letter, you can proceed with sending the account to collections. Choose a collections agency. How To Send Unpaid Clients To Collections - Camino Financial caminofinancial.com ? business-managment caminofinancial.com ? business-managment

Debt Validation Letter Example I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Legally Speaking, Emails are Considered Writings If sent to a consumer by a third-party debt collector, emails must comply with the Fair Debt Collection Practices Act (or FDCPA). If the email communication pertains to healthcare debt, the Health Insurance Portability and Accountability Act (HIPAA) applies.

When a debt collector contacts you about a debt, they are legally required to provide information about that debt, including the name of the creditor, the amount owed, and your right to dispute it. There are some limited exceptions to this rule.

It should also be sent certified mail. That's because certified mail debt collection letters are part of the legal requirements. Without these elements, it is not a valid debt validation letter. If you discover that you haven't received one of these letters, then it's time for you to send a debt verification letter.