We’re here to help.

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to dispute a debt or any portion of a debt the debt collector claims that you owe. In order to exercise your rights under the FDCPA, you must follow certain steps.

Once you will receive your initial notice of the debt. You have the right to dispute your debt, but only a written dispute from you to the debt collector during the 30-day validation period will trigger a debt collector’s duty to provide verification of the debt.

For more information, please refer to the official Fair Debt Collection Practices Act.

How to dispute your debt in writing:

Your letter must make clear that you are disputing the accuracy and/or validity of the debt.
Provide specific information regarding your dispute such as a wrong name, suspected identity theft, or any other information that could help substantiate your dispute.
Though not required, you may want to send your letter by certified mail so you have proof that the debt collector received your written dispute.
Dispute Debt Collection
Contact Credit Bureaus