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Commonly Asked Questions about Debt Dispute Legal Forms

RIGHT TO DISPUTE THE DEBT: Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor.
A debt collector must stop all collection activity on a debt if you send them a written dispute about the debt, generally within 30 days after your initial communication with them. Collection activities can restart, though, after the debt collector sends verification responding to the dispute.
With that in mind, here is how to dispute a debt in four simple steps: Assemble documentation about the debt. Review the debt collection notice from mistakes. Dispute the debt by sending a Debt Validation Letter. Wait for a response from the debt collection agency.
What happens if the creditor does not respond within the required time? If the creditor does not respond within 30 days, TransUnion will delete the information from your credit report.
If you write a letter, instead of using the tear-off form, the debt dispute letter should include your personal identifying information; verification of the amount of debt owed; the name of the creditor for the debt; and a request the debt not be reported to credit reporting agencies until the matter is resolved or
If you file a dispute with a collector, the FDCPA requires the collector to stop contacting you until they validate it. If the collector wants you to pay, they must validate the debt to you. If they cant or wont validate the debt, you dont have to pay.
Can you dispute a debt if it was sold to a collection agency? Your rights are the same as if you were dealing with the original creditor. If you do not believe you should pay the debt, for example, if a debt is stature barred or prescribed, then you can dispute the debt.
Within five days after a debt collector first contacts you, it must send you a written notice, called a validation notice, that tells you (1) the amount it thinks you owe, (2) the name of the creditor, and (3) how to dispute the debt in writing.