Section 807 of the Fair Debt Collection Practices Act (15 USC 1692e) provides, in part, as follows:
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
"(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney."
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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.
I am writing this letter to bring to your notice the following information added to my credit report. The [dispute item] along with the [creditor's name] are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence.
Dear debt collector: 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]. You can contact me about this debt, but only in the way I say below.
What your debt verification letter should include Your name and address. Collection agency's name and address. Acknowledgment of contact from a collection agency, including the date they contacted you. A statement saying you dispute the debt. Request for proof that the debt is valid and belongs to you.
Dispute in writing, and include any evidence that supports your claims (such as copies of cancelled checks showing you paid the debt or a police report in the case of identity theft). If the debt collector knows that you don't owe the money, it should not try to collect the debt. Your Rights Under the FDCPA: Disputing the Debt neweconomynyc.org ? your-rights-under-th... neweconomynyc.org ? your-rights-under-th...
You should dispute a debt if you believe you don't owe it or the information and amount is incorrect. While you can submit your dispute at any time, sending it in writing within 30 days of receiving a validation notice, which can be your initial communication with the debt collector. Can a debt collector still collect a debt after I've disputed it? consumerfinance.gov ? ask-cfpb ? can-a-de... consumerfinance.gov ? ask-cfpb ? can-a-de...
If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good. Use This 11-Word Phrase to Stop Debt Collectors farmermorris.com ? faqs ? 11-word-phrase-t... farmermorris.com ? faqs ? 11-word-phrase-t...
30 days A credit bureau will send the dispute to either the creditor or the agency, whichever one reported the debt in the first place. After notification of the dispute, the agency or creditor has 30 days to validate the debt and respond to the credit bureau. Everything Creditors Must Know About the Collection Dispute Process neuanalytics.com ? blog ? everything-credit... neuanalytics.com ? blog ? everything-credit...
