If you've been called by a debt collector and aren't sure what to do, the U.S. Consumer Financial Protection Bureau has provided five sample letters.

Find all five sample letters on the consumer bureau's website. Always save all copies of your correspondence with a debt collector, even if you decide to pay, because settled debt collection ...

When disputing wrongful collections, the debt relief company will conduct a thorough review of your credit reports and collection documentation to identify potential legal violations by the collector.

If the debt collector cannot prove that you owe the debt and continues with debt collection activity, calls, letters, and credit reporting, you can file a complaint with the CFPB and also dispute ...

: We've started getting calls and letters from debt collectors who claim my husband, Thomas, has unpaid accounts. This isn't true. The callers eventually tell us the last four digits of the person ...

A debt verification letter is the same thing as a debt dispute letter. The Consumer Financial Protection Bureau offers templates you can use to create one. In this letter, you should include: ...

If you don’t respond with your own letter within 30 days requesting further validation or disputing the debt, you’re effectively admitting that you owe the alleged debt.

When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request that the collection agency validate your debt ...