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Guide on How to Dispute a Debt

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Complimentary Evaluation

Arietta Law Complimentary Evaluation

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  1. Request Validation of the Debt: First, you should send a written request to the debt collector asking them to validate the debt. In your letter, state that you are disputing the debt and request them to provide evidence that the debt is legitimate and that they have the right to collect it.
  2. Use Certified Mail with Return Receipt: When sending your dispute letter, use certified mail with a return receipt requested. This way, you have proof that the debt collector received your letter.
  3. Keep Copies and Records: Make copies of your dispute letter and all related documents for your records. This includes the certified mail receipt and any responses you receive from the debt collector.
  4. Be Specific in Your Dispute: Clearly outline the reasons for your dispute in the letter. For instance, if you believe the debt is not yours, provide any evidence you have to support your claim. If you think the amount is incorrect, explain why you believe so and provide any relevant documentation.
  5. Know the Statute of Limitations: Research the statute of limitations for the debt in your state. If the debt is too old, it may be beyond the legal time limit for the debt collector to take legal action against you.
  6. Dispute Inaccuracies on Your Credit Report: If the debt is appearing on your credit report and you believe it is inaccurate, you can dispute it directly with the credit bureaus. They are obligated to investigate and correct any errors on your credit report.
  7. Debt Collector's Response: The debt collector is required to respond to your dispute within 30 days of receiving your letter. They should provide you with the requested verification and evidence of the debt's validity. If they cannot validate the debt, they must stop their collection efforts.
  8. If the Debt is Validated: If the debt collector provides validation, carefully review the information they send you. If you still believe the debt is not valid, seek legal advice to understand your options.
  9. File a Complaint: If the debt collector violates any of your rights during the process, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) and your state's Attorney General's office.
Remember to be persistent and patient during the dispute process. If you're unsure about the best course of action, consider consulting with a consumer protection attorney who can provide personalized guidance based on your situation.