Posts Tagged ‘disputing a debt with a collection attorney’

Disputing A Debt With A Collection Attorney – A Step-By-Step Guide

Just because the collection practices are facilitated through an attorney, it does not mean that there is no way to dispute debts. As per the FTC (Federal Trade Commission), there is a set procedure under the US laws that you can follow when it comes to disputing a debt with a collection attorney. There are plenty of things that you need to take into your careful consideration in this regard. For example, when you receive an initial notice from the attorney as part of their strategies for debt collection, you must file the dispute within one month from the date when you received that notice. The more quickly you respond to such collection efforts, the better position you will be in to handle the situation. As per the National Association of Retail Collection Attorneys, You may eventually attract further legal action if you choose to ignore the collection efforts. Though, depending upon the factors involved in your specific case, there can be various possible reasons why you must file a dispute, some of the most common reasons include balance or validity discrepancies. Following is a brief rundown on some of the basic steps that you need to follow in order to file your dispute.

Obtain A Template From The FTC

You can visit the official website of the Federal Trade Commission and download a suitable template form to write a letter disputing a debt with a collection attorney. You have to send this letter to the collection attorney. However, it is not mandatory for you to use a template. If you are aware of the format, you can prepare the letter yourself without taking any help from a template. However, it is advised that you use the template, as this will make the process smooth for you and avoid the chances of any mistakes, especially when it is about the format of the letter.

Gather Necessary Information

You need to provide some basic details in this dispute letter, such as original creditor information and the case number. All of this information is usually provided in the notice sent by the collection attorney. But, if you cannot find this information in that notice, you can contact the office.

The Reason For Dispute

When it comes to disputing a debt with a collection attorney, the most important part of the letter is where you have to state the reasons why you are filing dispute. You need to be very careful while stating your reasons because this is where your chances of getting your claim approved depends on.

Request To Stop Phone Calls

Do not forget to mention it in your letter that you do not want to receive any further phone calls from the collection attorney. You can make a request that you want them to do all communications in writing through emails or through letters. This way, you can save yourself from possible harassment, as collection agencies give repeated phone calls many times a day (and sometimes even night also even though it is illegal) and demand payments.

Attach Proofs

Just stating your reasons are not enough. While you are disputing a debt with a collection attorney, you can provide strength to your claims by attaching some proofs in the form of related documents. This way, you can easily put yourself in a better position.

Request A Return Receipt

Last, but not the least, you must also request the attorney to acknowledge the receipt of this dispute letter.

Do not forget to keep a copy of the original letter and the documents you have attached with the same. After disputing a debt with a collection attorney, if the validity is not confirmed, it will be legally mandatory for the collection attorney to cease all collection efforts.


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