Dispute Letters

When dealing with creditors and the companies that do the collecting for the original creditor, it is important to get the debt validated. This is done by disputing the debt that is owed. If you don't believe the debt is yours, are unsure of the amount or cannot remember if it is yours, the Fair Debt Collection Practices Act (FDCPA) gives you the right to dispute the debt. If you want to dispute the debt, you need to do so in writing. Disputing a debt will not get rid of the debt, but it allows you time as a debtor and helps in later lawsuits; as well as stops the creditor from reporting to the credit bureaus (at least until the debt is validated).

The following letters can be used when disputing debts. They are free of charge. Please feel free to change the letter to fit your unique situation.

The following documents are in .doc format (Word). SEND ALL DISPUTE LETTERS CERTIFIED MAIL, WITH A RETURN RECEIPT REQUESTED AND KEEP FOR YOUR RECORDS!

Generic Dispute Letter	Cease and Desist Letter
1st Creditor Dispute Letter	2nd Creditor Dispute Letter
Statute of Limitations Expired*	Stop the Calls

Disclaimer: I claim no responsibility, nor will be held liable for the consequences. 
You may wish to contact me prior to using any sample letters.

*Statute of Limitations is normally 6 years from date of LAST payment.