- Within 30 days of receiving a written notice of debt from the collection agency, send a written letter of dispute to the debt collection agency to confirm that the information on the debt is wrong.
- Provide information, reasons, and supporting documents on why it's wrong. (For example, the statement does not include payments you've made).
- Once you dispute the debt, the debt collector must stop all debt collection activities until it sends you verification of the debt. You can also use the dispute letter to discover the name and address of the original creditor if they have not been provided.
- Send the letter via certified mail to the collection agency and the original creditor, return receipt requested, along with any documents that support your dispute.
- Keep a copy of the letter for your records.
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