How to Write a Debt Collection Letter Without an Attorney
Many people would like to know what a sample debt collection letter from an attorney would look like, and how they should react if they should receive it. There are millions of people in debt all around the world, and the crushing feeling of never being able to get ahead keeps many people in a constant state of dread.
It is true that being in debt can be extremely stressful, but the best route forward is to prepare yourself for what is to come. If you can see what a sample debt collection letter by an attorney looks like, then perhaps you will have the resources you require to know how to react to it. DoNotPay can help.
Let’s Talk About the FDCPA
Before you get too far down the road, it is important that you stop for a moment and discuss the importance of a law known as the Fair Debt Collection Practices Act (FDCPA). This law is designed to protect debtors from unfair and intimidating practices that creditors have used at times in the past.
The point of the law is to provide as much reasonable protection to those who owe money as is possible. After all, no one deserves to be treated as less than human just because they owe some debt.
The law clearly states that creditors must provide the following to debtors in order to claim that this person owes them anything at all:
- Proof of the existence of the debt
- A letter showing the full amount owed
- Communications with the debtor that are professional and do not breach the law
Additionally, the debtor may choose to go to court to settle the matter if they feel that they are being treated unfairly. This doesn't mean that they will necessarily win the case or that their debt will go away, but it does mean that they have every right to challenge anyone who claims that they owe money that they do not feel that they owe.
What Happens if I Receive a Debt Collection Letter From a Lawyer
A real debt collection letter from a lawyer will have the full name of that lawyer as well as other information relevant to who they are and who they represent. Be very careful about this as it is always possible that someone may try to impersonate a lawyer or pretend that they have legal counsel that they do not actually have. Look for these signs on the letter to make sure it is real:
If you receive a letter that cannot do all of these things, then there is a good chance that the letter you have received is not valid. You can choose to discard it if you would like, or you can bring it to your lawyer to see what they think about it. If the letter is real, then you need to get a lawyer as quickly as possible to try to fight back.
How to File a Complaint if You Feel You Are Being Harassed
If you feel that you are being harassed by someone who claims to be a debt collector, you do have the right to file a complaint with the appropriate government agency to get this resolved. In this case, the agency is the Consumer Protection Bureau. You can follow these steps with DoNotPay to get that complaint filed:
Here's how it works:
- 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 DoNotPay can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on DoNotPay 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.
Can DoNotPay Help With Other Agenda Items?
Yes! DoNotPay is more than happy to help you with a variety of other chores that you need to knock out including:
They are all about creating programs that help people get the assistance they need to live a happier and more fulfilling life. If you would like to take advantage of some of these programs for yourself, try DoNotPay.