Simple Dispute Letter to Send to Debt Collectors under the FDCPA

One of my new year's resolutions was to put a simple dispute letter on my blog for people to send to debt collectors to dispute debts.  I suggest you send this to the collector BY FAX and retain a fax confirmation sheet. You may have to call the debt collector first to get the right fax number.

Once the collector receives this letter, the collector may not contact you until the collector sends you validation of the debt.  What validation is is complicated. The more specific you are in your dispute, the more specific the debt collector must be in validating.

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To:

Debt Collector Name

Debt Collector  Fax number                                                                  VIA FAX

DATE

From:

Consumer Name:

Consumer Address:

City State Zip:

Consumer Phone Number: 

Account Number:

Original Creditor:

Basis of the Dispute:

Dear Sir or Madam

I am the above-named consumer.  I dispute this debt and demand that you obtain validation before continuing communications.

Basis of the Dispute:

Further, you do not have permission to call me on the cell phone number listed above. If I previously granted permission, that permission is revoked.  I ask that all communications be in writing.

Sincerely,

_____________

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