A Debt Dispute Letter is a written refusal to accept debt in response to a collector's notice. It is a necessary step you will need to make if someone is trying to make you pay back money that you don't actually owe, or perhaps, would owe a much smaller amount. There's an official procedure to follow if you decide to enter a dispute with either a creditor or a debt collector, acting on behalf of a creditor. It is important to gather knowledgeable resources to know where you stand.
After receiving a debt collector's notice, you have 30 days to dispute a debt. Your written reply is the Letter of Debt Dispute. During this 30-day window, collectors will not be eligible to collect payments from you or take you to court.
You can download a customizable and printable Debt Dispute Letter through the link below.
Pressing the PRINT button will only print the current page. Download the document to your desktop, tablet or smartphone to be able to print it out in full.