Samples Of Dispute Letters To Credit Collector

Saturday, September 12th, 2009 at 6:40 pm

Samples Of Dispute Letters To Credit Collector

Sample Debt Validation Letter To For Debt Settlement Professionals

As a debt company must be informed about the letters customers will need for debt settlement. A letter of great importance for a debtor is Request for Validation of debt letter. Debtors have the right to ask for validity of the debt that the collection agency says they owe. Under the FDCPA (Fair Debt Collection Practices Act) the Debt Validation Letter is needed in order to challenge the validity of the alleged debt. Below is a sample debt validation letter to understand how to request validation of debt in writing.

Debt Validation Letter (Sample)

Your Name

Your Address

Your Phone #

Collector's Name

Collector's Address

Date

Dear Collection Manager,

Re: Account Number__________

This letter is to notify you that I have recently pulled My Credit report and discovered that there is a collection from your agency on my Credit Report. I was never informed of this collection. However, this letter does not entail that I will not pay off this debt. I will instead dispute your claim of delinquent payment.

As per the FDCPA, I have the right to receive a confirmation of this alleged debt. I request you to provide evidence that I am indeed the one who is contractually obligated to pay off the moneys owed.

I trust that you are informed of the fact that reporting any invalidated or falsified information to major Credit Bureaus may constitute slander; due to a negative listing on credit report will not allow me to enjoy the benefits of having Good Credit. In addition, I hope you are also aware that until you authenticate this debt, you are not legally allowed to continue collection activities or report this information on My Credit Report. I'm confidant your legal staff will agree that non-compliance with this request is likely to put your company in a serious legal bind with the Federal Trade Commission (FTC) along with other state/federal agencies.

Please attach copies of the following documents:

Agreement with your client that authorizes you to collect on this alleged debt.
Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

With regards,

Your Signature

Your Name

For more information on
debt consolidation and settlement leads
read on
About the Author

Credit Card Collapse