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To dispute a debt with a debt collector, it's important to craft an effective letter outlining your reasons for the dispute. Michael Wassick, a lawyer from Florida, guides you on how to structure this letter. Start by acknowledging the collection notice, whether it's from a letter or phone call. Clearly state your reasons for disputing the debt, ensuring your points are concise and relevant. Include essential information but avoid extraneous details to keep the letter focused. It’s crucial to get this right to protect your rights against debt collectors. By following these guidelines, you can respond confidently to any debt collection efforts.