How Do You Dispute A Collection Letter?
If you receive a letter from a collection agency requesting payment, there are steps you can take if you do not recognize the account in question, do not own the account or know that the amount requested is incorrect. Debt collectors are required, under law, to provide proof that a debt is valid if requested to do so by the consumer they have contacted. Gather any documentation you may have about the account, including receipts, invoices, bills, canceled checks, bank statements, credit card statements and any other correspondence you may have received. Send a letter to the collection agency, requesting that they validate the accuracy of the debt in question. They will need to provide proof that they own or have been assigned the debt by the original creditor, complete payment history from the original creditor and a copy of any original loan agreements or applications signed by you. Make a copy of the letter you will be sending. Mail the letter by certified mail with return receipt req
