Disputing Debt letter to collection agency

by Therese
(Racine, WI)

I received a letter from an attorney stating that I owe them a sum of money from a credit card I stopped paying almost 3 years ago. The letter said that I had 30 days to respond to them in their office with a letter of dispute. That 30 days past. Can I still sent my dispute letter to them asking them to prove the validity of the debt?

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Jun 04, 2010
disputing a debt
by: Gerri and Mary

Therese -

The thirty day period for disputing the validity of the debt is spelled out in the federal Fair Debt Collection Practices Act. Do you believe that this debt is not correct, or that you don't owe it? If so, please share additional information using the comments link below and perhaps we can point you in the right direction.

Jun 22, 2010
Disputing a Debt
by: Anonymous

yes, I believe I owe some of the debt. Three years ago I owed $3717 in full to pay of the debt. Now the attorney's office is saying I owe $10,237, much of which I dispute.

I have not responded to the letter, but wish to dispute the claim....what are my options?

Thanks!

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