Collection Agency Debt Dispute
Body:
SAMPLE LETTER TO INFORM COLLECTION AGENCY OF DEBT ERROR
SEND VIA CERTIFIED MAIL—RETURN RECEIPT REQUESTED
Name of Collection Agency:
Address:
City, State, Zip:
Date
Your Name:
Address:
City, State, Zip:
Last four digits of SSN:
Re: File # (put collection agency's file number for the debt here, if applicable)
To (Collection Agency):
Your agency has repeatedly called me, leaving a message that I should contact you at the number you provided. [If applicable -- I have called and spoken to one of your associates and explained (and provided proof) as to why this debt is not owning and that reason is because ______________.
OR
who verified that I was not the person from whom you are attempting to collect the debt. (S)he stated that the account associated with my number belongs to a person with the name of "_______". I advised the associate that I did not wish to be contacted about this other person’s debt, and (s)he said she would handle my request.
However, since that time, your company has failed to correct the problem and has also repeatedly called me leaving the same message.
Pursuant to my rights under the Fair Debt Collection Practices Act ("FDCPA") I, ________________________expressly direct you and your company, TO NEVER AGAIN CONTACT ME BY TELEPHONE neither at work or home. Furthermore, you and your company are expressly directed not to contact my neighbors, friends, acquaintances, employer or any relative of mine regarding me or the above-referenced account.
ALL FURTHER BUSINESS WITH ME MUST BE DIRECTED THROUGH WRITTEN CORRESPONDENCE TO ME AT THE ABOVE-STATED ADDRESS.
If your company still believes that I am responsible for this debt, please send me all applicable documents to prove your claim. Otherwise, I consider this matter closed and am under the assumption that this erroneous account will not be posted to my credit report.
If you do not comply with the directions in this letter, I intend to file a complaint against you and your company with the Federal Trade Commission ("FTC") and pursue my legal rights to the full extent under the FDCPA.
If you do not comply with my request, I will file a complaint against you and your company with the Federal Trade Commission and will prosecute to the full extent of the Fair Debt Collection Practices Act.
Sincerely,
________________
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MEDICAL BILLS
I have been paying on my husband doctor bills that were put in collection since 1904 at $5.00 a month and then they wanted $10.00 IN 1905 A MONTH AND AND A FEW MONTHS LATER IT WAS $15.00 an month and since then it went to $20.00 a month every since1906. the bill was $ 10,195.74 IN THE BEGINING and now its$11,380.63. MY HUSBAND IS DISABLE DUE TO CANCER FOR THE LAST 5 YRS.Is there a way I can get this reduced in stead of going higher all the time. Its the high interest rate. I JUST NEED SOME HELP HERE TO TELL ME WHAT TO DO TO GET THIS PAYED AS WE ARE OLDER AND LIVE MONTH TO MONTH, BUT WE ARE NOT DEAD BEATS OR I WOULD NOT OF PAIDED ON THIS FOR 5 YEARS. THANK YOU FOR YOUR TIME.lorene munro I CAN SEND YOU A DONATION AFTER THE FIRST OF THE MONTH
MEDICAL BILLS
do i have to pay to get a reply?
Debt consolidation and
Debt consolidation and counseling could be a good idea. Why not be responsible. If your debt problems stem from a mortgage or personal loans for housing, then loan modification through the federal program might be what you're looking for. If you qualify for the program, then it would be in your best interest to file sooner rather than later, so you could avoid foreclosure. If you are struggling with debt, and don't know what to do, you might look into counseling
i do not owe
Gateway put a charge on my gateway card that I did not authurize ! I paid off printer but I had ordered tech support & cancelled it they very same day as per the law> Now I am getting 3 to 4 calls a day for this $40.00 + what ever late charges hsbc has added to it. I am tired of the calls when I paid off printer (which I admit buying I marked the check Paid IN Full now their wanting the rest of the money for a contract that I canceled with in my 3 legal days. I want the calls to stop they call at 8:00 in the morning I am keeping a log and I will turn it over to my attorney. I am on ssd my husband is on ss.
Patricia L Moran
Acc.ending 1734
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