What do you do if you feel that you do not owe the debt and have not yet been served with a Complaint? Well, you can write to the debt collection agency and inform the debt collection agency that you dispute the debt and request the name and contact information of the original creditor. You must write to the debt collection agency within 30 days of receiving the first written communication from the debt collection agency.
Here is a sample dispute letter that you can use.
Debt Collector’s Name
Debt Collector’s Address
To Whom It May Concern
I am writing in response to your letter dated ____________ sent by your company because I dispute this debt and am complying with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:
Please forward me the following documents:
• What purpose the alleged debt was for.
• Calculations of amount owed.
• Agreements between me and the original creditor showing my agreement to
repay this debt.
• Identify the original creditor, if different from the debt collector.
• Date of last payment on this account.
Please inform any credit reporting agency or credit bureau that I dispute this debt.
If you do not own this debt please forward this letter to the original creditor for validation of this debt.