(REMOVE) Follow Up Debt Collection
Dispute Letter - Same Collector
Today's Date
Your Name
Your Address
Collector's Name
Collector's Address
Dear Collector,
I am writing in response to your {letter or phone call} dated {insert
date of letter or phone call}, copy enclosed.
On {insert date of initial dispute letter} I sent you a letter explaining
that I do not believe I owe what you say I owe and, in accordance with
the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809(b):
Validating Debts:
(b) If the consumer notifies the debt collector in writing within
the thirty-day period described in subsection (a) that the debt, or
any portion thereof, is disputed, or that the consumer requests the
name and address of the original creditor, the debt collector shall
cease collection of the debt, or any disputed portion thereof, until
the debt collector obtains verification of the debt or any copy of
a judgment, or the name and address of the original creditor, and a
copy of such verification or judgment, or name and address of the original
creditor, is mailed to the consumer by the debt collector.
I must remind you that in my previous letter I requested the following
information:
- (1) the amount of the debt;
- (2) the name of the creditor to whom the debt is owed;
- (3) Provide a verification or copy of any judgment (if applicable);
- (4) Proof that you are licensed to collect debts in (insert name
of your state)
I also requested that if you have reported me to any credit reporting
agency, that you inform them that I have placed this debt in dispute
and to provide me with proof that you have done so. Furthermore, I asked
that you immediately send a copy of that dispute letter to the company
(creditor) that you say I owe money so they are also aware of my dispute
with this debt.
As of today, you have failed to respond to my requests! For your convenience,
I have included a copy of my previous letter and a copy of the mail receipt
showing that you received my letter on {insert date from mail receipt}.
Since you have failed to respond I assume that you have been unable
to validate the debt and therefore, I consider this matter closed. You
may consider this letter your official notification that I do not intend
to correspond with you on this matter again unless you comply with my
requests, the FDCPA and the FCRA.
I must remind you that any attempt to collect this debt without validating
it, violates the FDCPA and that I am recording all phone calls and keeping
all correspondence concerning this matter. Be advised that I will not
hesitate to report violations of the law to my State Attorney General,
the Federal Trade Commission and the national Better Business Bureau.
Signature here
Your Printed Name |
