Letter to Debt Collector: Don't Owe Debt
Ask Debt Collector to Verify Debt
Date
Name of Debt Collector
Address
City, State, Zip Code
Re: Account of [your name]; Account Number ______________
Dear [Name of Collector]:
I am writing this letter in response to your (letter or telephone call) on (date) wherein you informed me that I owe $_---------------- .
Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me the following information:
(1) The name of the original creditor;
(2) What goods or services were purchased with the money you claim I owe;
(3) All documentation proving that I owe this debt; and
(4) A copy of your license to practice debt collection in my state.
I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they cannot report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so.
If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Sincerely,
Your name
Address
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