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Sample Letter 9 (Follow-up Letter is Letter 9a)
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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