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?

Comments for Disputing Debt letter to collection agency

Click here to add your own comments

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!

Click here to add your own comments

Return to Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2018 by Mary Reed and Gerri Detweiler.
All rights reserved.

Disclosure: We may receive compensation for marketing some of the services mentioned on this site. Above all though, our goal is to recommend products and services we believe can help our readers. You can learn more here.