Simple Dispute Letter to Send to Debt Collectors under the FDCPA
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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