
Dispute Letters
Collection Account Disputes
This letter serves as a request for proof of collection and a command to cease collection attempts until this proof is provided. It provides details specific to your case while referencing the Fair Debt Collection Practices Act and provides a timeline for delivery of collection verification. Note: Be sure to provide clear, legible, copies of your SSN and driver's license on a second page or you will be rejected by the credit bureau.
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Warning Violation for Expired Debt Collection
This letter informs a collection agency that the debt that is being sought has surpassed a statute of limitations and is no longer collectable.
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Issue NowDispute Accounts That Should Be Included in Bankruptcy
This dispute letter is used to inform credit reporting agencies they are reporting item that were discharged in your bankruptcy and they must remove any inaccuracies.
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Issue NowRequest Original Creditor to Take Back Debt from Collection Agency
This can be a particularly useful letter if you have a collection agency that has been abusive to you for a valid debt.