Sample Letter
Below is a sample dispute letter that a consumer can use to dispute the validity of a debt and to inform the debt collector to cease collection attempts.
Use this sample letter to help you write your dispute letter.
[Date]
[Your Name]
[Your Address, City, State, Zip Code]
[Debt Collector’s Name]
[Their Address, City, State, Zip Code]
Re: Account Number [XXXXXX]
To [Debt Collector]:
Pursuant to my rights, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.
[If the debt is invalid, explain why the debt is invalid]
[Discuss the effect that collection attempts have had on you]
Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.
Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regard to current consumer protection laws.
Regards,
[Your name]
Please note, this is not legal advice, but merely to give an example of what a letter could look like. We highly recommend that you consult with an attorney if you believe that your rights have been violated.
Sample Letter
Below is a sample dispute letter that a consumer can use to dispute the validity of a debt and to inform the debt collector to cease collection attempts.
Use this sample letter to help you write your dispute letter.
[Date]
[Your Name]
[Your Address, City, State, Zip Code]
[Debt Collector’s Name]
[Their Address, City, State, Zip Code]
Re: Account Number [XXXXXX]
To [Debt Collector]:
Pursuant to my rights, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.
[If the debt is invalid, explain why the debt is invalid]
[Discuss the effect that collection attempts have had on you]
Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.
Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regard to current consumer protection laws.
Regards,
[Your name]
Please note, this is not legal advice, but merely to give an example of what a letter could look like. We highly recommend that you consult with an attorney if you believe that your rights have been violated.
