Sample Letters to Debt Collector
TO DEBT COLLECTOR: CEASE
AND DESIST LETTER - WITH DISPUTE OVER DEBT (Demand for
Validation)
Your Name
Your Address
City, State, Zip
Date:
Name of the Collection Agency
Address
City, State, Zip
Re: Acct #XXXXX
Whom It May Concern:
This will serve as your legal notice under the federal Fair Debt
Collection Practices Act (FDCPA), to cease all communication with
me in regard to the debt referenced above. Do not contact
me, or any third parties regarding this debt.
Furthermore, I formally dispute the validity of this
debt. Please provide me with documentation that supports
why you believe this debt belongs to me, and why you believe I owe
this amount. Please send me copies of the original application for
this account, any signatures associated with this account, any
bills associated with this account, etc.
You are also notified that should any adverse information be
placed against my credit reports, appropriate actions will be taken
under the federal Fair Credit Reporting Act (FCRA).
Thank you for your attention to this matter.
Sincerely,
Your Name
TO DEBT COLLECTOR:
REFUSAL TO PAY
Your Name
Your Address
City, State, Zip
Date:
Name of the Collection Agency
Address
City, State, Zip
Re: Acct #XXXXX
Whom It May Concern:
This will serve as your legal notice under the federal Fair Debt
Collection Practices Act (FDCPA) that I refuse to pay this
debt. Discontinue all communications with me as I
will not be offering to pay any money to pay this debt.
Sincerely,
Your Name