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Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that: (a) because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense; (b) you cannot add interest or fees except those allowed by the original contract or state law. (c) you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act ยง 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Signature here Your Printed Name

  • says:
    January 7, 2009 at 10:01 pm

    Very Helpful! Thanks..

    <a href=”p>

    Sefas last blog post..What Every Consumer Needs to Know

  • david stevenson says:
    January 31, 2009 at 7:19 am

    i have lost my job and owe over 40.000 in credit card debt what is going to happen to me if i can not in any way repay this. will i go to jail. my circumstances are that i am now totally disabled and will probably never be able to work again. and will never be able to pay this debt

  • Danny says:
    January 31, 2009 at 9:12 pm

    David, I would recommend READING THE ARTICLE! It answers your questions.

  • diego garcia says:
    February 4, 2009 at 1:34 pm

    i own like $8.000 plus two houses and a car… i was doing my resident ship and everything was fine but now immigration said that i was married just for my papers and that is not true so i stop paying my bills i can’t even work in USA any more until this is clear.. so what i did was send letter to all debts telling to charge the ins (immigration) because they don;t allow me to work here any more… jajaja I’m cool i don’t need a work any more i have good saving and off course the money is in my country already.. and i love this country honestly god bless America but i was a good citizen i went to college i was in the university and i am not one of those crappy Mexicans but hey this country sucks when they choose who they want to live here and who they not.

  • jaja says:
    February 24, 2009 at 6:52 pm

    I am going to lose my job soon.. and I have about 9000 in debts.. do let you hold payments till you get a job?

  • jaja says:
    February 24, 2009 at 6:52 pm

    I am going to lose my job soon.. and I have about 9000 in debts.. do they let you hold payments till you get a job? does anybody have any suggestions??

  • Disenchanted says:
    March 25, 2009 at 11:56 am

    It was the banks fault and the banks should pay!

    After watching my family’s net worth tumble, through no fault of our own, I stopped paying my credit cards last November. Just recently I was able to settle with the first company for about 60 cents on the dollar. I’m sure the rest will follow, since they are in worse shape than I.

    Sure, I’ve hurt my credit score but frankly I am not concerned. I have a mortgage, with a decent rate, that I will continue to pay. And I own my cars outright. (Anyone that would take out a loan on a new car AFTER LAST FALL is asking for trouble, IMO – especially from GM. Save your money!) No one is certain the banks will ever lend freely again, and who needs them? Last fall, we all came dangerously close to watching our Wal-Marts become trading posts. The system collapsed, and if it wasn’t for the government throwing money at the banks a Mad Max-type economy might have replaced capitalism. And who knows, it still could since no one is sure the “bad bank” solution will work.

    No matter what, don’t let the banks bully you. At this point, they need us MORE than we need them.

  • jackie nico says:
    April 2, 2009 at 4:03 am

    I did the same as the fellow before me, but i didn’t wait for it to get into collections. I refused to pay for just under 3 months, until they settled with me. They gave me ZERO percent interest until i pay off the entire balance, which essentially cut my bill in half.

    They just wanted their initial investment back i suppose. I stopped paying because they raised my interest rate from 9 to 19 for NO reason. Its just a game of chicken, and if you aren’t worried about damaging your credit a little bit (who cares its worthless now anyway) then do the same.

  • jimnext khan says:
    April 16, 2009 at 7:08 am

    I owe $7000 plus on two cards and it’s been a year since my last payment. They call me and I ignore . I have some financial problems that’s why I can’t pay . I asked the collector to reschedule my dept and let me pay the amount that I can pay but they are not responding to my request and asking me amount that I can never pay. I am afraid of what would happen if i continue ignoring their calls and letters.
    Can any one tell me what I can do and Can they drag me to police / courts / trials / .. etc.