In the end a debt validation program was used to resolve this debt making it legally uncollectible.

Sample letter of debt dispute. The first sample letter disputes two collections accounts when a credit bureau listed a debt but provided no creditor names and addresses for the accounts. It could be fictitious. Although it is possible to customize any letter to suit your personal needs at a minimum this document should identify you by your name and address and request the name of the original creditor the debt details and any documentation that proves you actually owe money.

Use this sample letter to help you write your dispute letter. You can find a Sample Debt Dispute Letter through the link below. This letter also informs the payer about the total amount of money they are told to pay.

Initial Debt Collection Dispute Letter Todays Date Your Name Your Address Collectors Name Collectors Address Dear insert name of collector or company I am writing in response to your letter or phone call dated insert date copy enclosed because I do not believe I owe what you say I owe. Finally if you do not own this debt I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. As you can see below not only does the consumer NOT HAVE TO PAY THE DEBT.

Notice of disputed charge to Account No. Date Your Name Your Address City State Zip Code Name of Credit or Debit Card Company Attn. Collectors Name Collectors Address City State Zip Code.

Pursue a judgment without validating this debt I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. You may have a debt in joint names or want to write to your creditors together because you have worked. Contact us for advice before using this letter.

Please verify the debt as required by the Fair Debt Collection Practices Act. If you need more information you can use the I need more information about this debt form. When composing an official or company letter presentation design and also style is essential to earning an excellent impression.