How to Send a Dispute Letter to a Debt Collector
Approximately 71 million in USA adults have debt in collections. Having a debt collection can be a huge source of stress if the debt collectors are harassing you. Notably, errors in debt collection are common and if you doubt a debt, consider sending a dispute letter. If you need help to draft a dispute letter to the debt collector, DoNotPay can help.
Once a debt collector contacts you, we will contact them with a demand letter on your behalf. If you choose to report the collection agency to the CFPB instead, we'll file the complaint on your behalf.
What Is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is the federal law limiting the duties and actions of third-party debt collectors contracted to collect debts on behalf of an entity or person.
The law put restrictions on the way collectors should contact debtors, including the time of day and number of times that contacts should be made. The FDCPA is designed to prevent abusive, deceptive, and unfair debt collection. Should an FDCPA violation occur, the debtors can sue the debt collection company for damages. Notably, the FDCPA covers a range of debts, including:
- Credit card debt
- Auto loans
- Medical bills
- Student loans
- Other household debts
Under the Fair Debt Collection Practices Act, it is against the law for a debt collector to use abusive, deceptive, or unfair practices to collect debt from you. Should you have any trouble with a debt collector, you can submit a complaint the following ways:
|Consumer Financial Protection Bureau (CFPB) Online||https://www.consumerfinance.gov/complaint/|
|CFPB Phone||(855) 411-CFPB (2372)|
|Your state’s attorney general||https://www.naag.org/find-my-ag/|
Do I Need to Respond to Debt Collections Letters?
After receiving a notice from a debt collector, it is advisable to respond as soon as possible, even when you owe no debt. Failure to respond could result in continued harassment and a potential lawsuit. The collector may also report negative information to credit reporting companies.
Can I Send a Demand Letter to Debt Collectors?
According to 15 USC 1692g Sec. 809 (b) of the FDCPA, people can request debt validation letters to debt collectors. If you are uncertain about the debt you are being asked to settle, you can send a debt verification letter seeking more information. You can send a demand letter to a debt collector if:
- There are errors in the debt
- A debt is old and has passed the statute of limitations
- The debt collection is a scam
How to Write a Debt Validation Letter (Sample Debt Validation Letter)
The following are the steps to write a debt validation letter:
- Draft a letter to the collection agency
- Under the subject line or RE, fill in your account number
- Mention that your letter is not a refusal to pay, but a notice of the dispute to debt claims
- Mentioned that you have a right under the Fair Debt Collection Practices Act (FDCPA), you have a right to request validation for erroneous debts. Request proof that you are indeed the right party that owes the debt and any contractual obligation binding you to pay the debt
- Mention that should the debt collector continue to report invalidated information to credit bureaus, you may take legal action under both federal and state laws.
Undoubtedly, the DIY process to draft and send a debt validation letter is long and tedious. DoNotPay can deal with this process. Contact the debt collectors with a demand letter on your behalf through our new debt collection product. If you choose to report the collection agency to the CFPB instead, we'll file the complaint on your behalf.
How to Send a Validation Letter Using DoNotPay
Here is a quick and more convenient way to send a validation letter with the help of DoNotPay:
- Search “debt collection” on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.
And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the CFPB so that they're no longer able to use unfair debt collection practices. You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report.
How to Remove Collections Off Your Credit Report
Debt collection can adversely impact your credit score. A collection account can lower your credit score and stay on your credit report for up to 7 years. The collection can prevent you from getting a mortgage or auto loan, and the earlier you take steps to remove it, the better. The following are some of the ways to remove a collection from your credit report:
- If you have paid the debt, request a goodwill deletion
- If you found any errors, dispute the collection
- Write to the collection agency and ask it to validate your debt
- Negotiate a pay for delete agreement
DoNotPay Works Across All Companies, Entities, and Groups With the Click of a Button
DoNotPay doesn’t just help you with writing a dispute letter to a debt collector, but all other questions you may have such as:
- Can debt collectors take your stimulus check?
- How long can debt collectors try to collect?
- How often do debt collectors take you to court?
Let DoNotPay to Help You Write a Dispute Letter to a Debt Collector
Being placed in a collection comes with adverse consequences that could impact your financial life. As mentioned earlier, errors in debt collection are common, and you should not pay a sum you don't owe.
Under the FDCPA rules, debt collectors must follow strictly regulated guidelines when collecting debts. If you find inaccuracies in a collection, write a validation letter demanding further information. If you feel helpless because debt collectors are calling for payment from erroneous debts, DoNotPay can help. We will contact debt collectors with a demand letter on your behalf.
If you choose to report the collection agency to the CFPB instead, we'll file the complaint on your behalf. Contact us to learn more.