Credit Repair Help

When you are writing letters disputing debt to the creditor or the collection agency, your debt dispute letter should be sent by certified mail or official mail with a return receipt requested. You should also keep a copy of the letters disputing debt on file.

What happen when I send letters disputing debt to Collection Agencies?

Under the Fair Debt Collection Practices Act, the Collection Agencies do not have to respond to your letters disputing debt unless they intend to take further actions. One of two things will happen when you send letters disputing debt to Collection Agencies:

• you will never hear back from the collection agency because the collection agency cannot verify the debt. If this is the case the collection agency will either:
  • drop the collection account or
  • sell your collection account to a new debt collection agency.
• you may receive a letter from the collection agency after a while informing you of their intention to take you to court or other further actions.

If the collection agency wants to take you to court, don’t be alarmed. If the debt is not valid or if the collection agency violated the Fair Debt Collection Practices Act, the chances are that you will win the case in court.

For sample of letters to Collection Agencies such as:

• cease and desist letter to the collection agency
• letter to creditor disputing the debt
• other Sample Letters to the Collection Agencies or the creditors

see our Sample Letters

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