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if youre disputing a debt with a debt collector what do you say what should go in the letter what do you keep out today im going to show you exactly what you need to put in your letter to a debt collector to dispute a debt my name is michael wassick im one of the lawyers at ricardo and was like here in florida and together with my partner jason ricardo i help people just like you overcome debt collection with dignity and today im going to tell you how to write a letter disputing a debt with a debt collector what that dispute letter needs to look like what you need to put in it how to use it and everything so lets dig in first of all what you need to know is when youre writing a dispute letter youre usually responding to some kind of debt collection youre usually responding to either a letter youve gotten from a debt collector or possibly even a phone call and you are putting on paper your reasons for disputing the debt so first before you do anything you need to figure out why