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When disputing a debt with a debt collector, it is important to carefully craft a letter outlining why you are disputing the debt. In the letter, you should clearly state your reasons for disputing the debt, address it to the debt collector, and include all relevant information. This letter should be used as a tool to help you overcome debt collection with dignity. Make sure to include all necessary details and follow the proper format when drafting the dispute letter. It is important to understand that you are responding to a debt collection notice and providing reasons for disputing the debt.