what's the best way to respond from a letter and dispute the validity of a debt from a collection agency who submitted a claim to a law firm?
Country relating to Question: United States
State (if USA): Connecticut
not yet. just received a letter.
Thank you for the post, I am happy to assist you by answering your questions. Do you mean respond to a letter from a law firm collecting a debt?
Thank you, XXXXX XXXXX your defense to the claim that you owe the debt?
As far as I am concerned. I have paid it up in tm month of March 2012.thru a collection agency. If I have a balance maybe $4. I tried calling them at that time to give me a receipt or proof that I have fully paid my dues but no response from them. I talked to them in February about my remaining balance of about $350, which I believe is paid off in March thru direct debit from my checking acct. as well as from my debt mgmt. firm service acct. Now, here's July and received this letter for a $1200.bal. amount.?
Thank you Rachel, you should detail the facts upon which you base your belief that the sum owed is only $4 and challenge the notion that you owe anything in excess of this amount by noting that you dispute the allegation that you owe the sum claimed, and upon information and belief the outstanding balance on the account is $4. Further, you would state "I reach this conclusion based on the following facts (then list the facts in support of your contention)." You would conclude your letter by stating "per the Fair Debt Collection Practices Act I hereby offer notice of my dispute of the sum claimed as owed and require written documentation evincing and conclusively establishing the liability claimed in your (insert date of collection letter)." Please let me know if you need additional guidance.
Successful consumer advocate.
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