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Connecticut has a six-year statute of limitations for debt collection actions resulting from simple and implied contracts (CGS § 52-576; attachment 1).
This letter shows you the details of a specific debt, outlines what you owe, who you owe it to, and when they need you to pay. Legally, a debt collector has to send you a debt verification letter within five days of their first contact with you. And if not, you should ask for one.
Although you can ask for many details, debt collectors are only required to provide information on the original creditor, the balance owed and the name of the person who owes the debt before resuming collection efforts.
If you've already paid the debt If you're sure that you're talking with a legitimate debt collector, you can send copies of documents that prove you made the payments, including cancelled checks or credit card statements. You may also include copies of any correspondence about settling the debt.
Dear [Client name], We're sending you this letter as a friendly reminder that your account in the amount of [amount due to you] is past due. Your invoice was due on [month, day and year their payment was originally due as stated in their invoice]. This payment is now [number of days since the due date] past due.
A debt validation letter is a letter that debt collectors must provide that includes information about the size of your debt, when to pay it, and how to dispute it. A debt collection letter essentially proves you owe the debt collector money.
What Is Collection-Proof? "Collection-proof" is a term used to describe a person who has no income or assets that can legally be seized for the repayment of certain debts. In essence, the debtor doesn't have anything of value that a creditor can collect after a court orders the debtor to pay.
The collection dispute letter to debt collectors should include the following information: Your details ? name, address, official email address, etc. Request for more information about the creditor. Amount of debt owed. A request note to not report the matter to the credit reporting agency until the matter is resolved.