If you do not send a dispute letter within 30 days, the collection agency can assume it’s a valid debt. » LEARN: ... but you do have rights for disputing a debt collection.

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 ...

When debt collectors call, your next move could cost you or protect you. Consumer Investigator Rachel DePompa talks to Tayne ...

A 609 dispute letter is a formal way to request more information about the accounts on your credit report. Sending a 609 ...

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.

This letter should include your name, the debt amount, the delinquent account and your consumer rights regarding debt collection. It’s essential you pay close attention to the validation letter ...

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 ...

The bottom line. Don't ignore collection accounts you don't owe. They won't go away on their own and can seriously damage your credit score. It's important to act quickly and dispute incorrect ...

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.