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Guam Zip Code

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US-DCPA-21
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Within 5 days after a debt collector first contacts you, they must provide you a written notice containing: (a) the amount of the debt, (b) the name of the creditor, (c) a statement that the debt collector will assume the debt's validity unless you dispute it within 30 days of receipt of the notice, (d) a statement that the debt collector will send a verification of the debt or copy of the judgment if you dispute the debt within the 30 day period, and (e) a statement that the debt collector will identify the original creditor upon written request within the 30 day period if different from the current creditor.

Use this form to help you respond to a debt collector's validation letter. You can respond by disputing the debt or any portion of it, asking fthe debt collector to verify the amount or validity of the debt, or request the name and contact information of the original creditor.

If you respond in writing within the 30 day period, the debt collector must stop attempting to collect the debt, or any disputed portion, until they verify the debt and mail you a response.

This form also also includes follow-up letters in the even the debt collector does not respond or continues attmpting to collect the debt after you requested verification.

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How to fill out Guam Letter To Debt Collector Seeking Verification Of A Debt In Response To Their Validation Letter?

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FAQ

Dear Debt collector name, I am responding to your contact about collecting a debt. You contacted me by phone/mail, on date and identified the debt as any information they gave you about the debt. I do not have any responsibility for the debt you're trying to collect.

A debt verification letter doesn't have to say anything fancy. Just state that you're responding to a collection effort, you don't recognize the debt, you are demanding they prove you owe it and, if they can't, to stop contacting you. That's it.

The debt dispute letter should include your personal identifying information; verification of the amount of debt owed; the name of the creditor for the debt; and a request the debt not be reported to credit reporting agencies until the matter is resolved or have it removed from the report, if it already has been

What should I do when a debt collector contacts me?Identity of the debt collector, including name, address, and phone number.The amount of the debt, including any fees such as interest or collection costs.What the debt is for and when the debt was incurred.The name of the original creditor.More items...?

Write and Mail a LetterState that you're requesting validation of the debt or removal of the debt from your credit report. Then mail the letter and request a return receipt so you have proof that you sent it and that the collection agency received it.

Debt collectors are legally required to send one within five days of first contact. You have within 30 days from receiving a debt validation letter to send a debt verification letter. Here's the important part: You have just 30 days to respond to a debt validation letter with your debt verification letter.

Debt collectors are legally required to send one within five days of first contact. You have within 30 days from receiving a debt validation letter to send a debt verification letter. Here's the important part: You have just 30 days to respond to a debt validation letter with your debt verification letter.

If a debt collector fails to verify the debt but continues to go after you for payment, you have the right to sue that debt collector in federal or state court. You might be able to get $1,000 per lawsuit, plus actual damages, attorneys' fees, and court costs.

Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. You can report a debt collector's failure to respond to your state's attorney general, the Consumer Financial Protection Bureau (CFPB), or the FTC.

Format the letter thusly: Your full name and address. The collections agency's name and address. A request for the amount of the debt claimed to be owed. A request for the name of the original creditor. A request for the judgment information (if applicable) A request for proof of the company's license.

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Guam Zip Code