HTML Preview Debt Collection Letter page number 1.
Today's Date: __________________________
Collector's Name: ____________________________________
Collector's Address : ____________________________________________
____________________________________________
RE: Account of ______________________________________(your name)
Account # _______________________________
Dear Collector,
I am writing in response to your letter or phone call dated __________________.
I do not believe that I owe this debt or what you say I owe.
Pursuant to the Fair Debt Collection Practices Act, Section 809(b), Validating
Debts:
“If the consumer notifies the debt collector in writing within the
thirty-day period described in subsection (a) that the debt, or any
portion thereof, is disputed, or that the consumer requests the
name and address of the original creditor, the debt collector shall
cease collection of the debt, or any disputed portion thereof, until
the debt collector obtains verification of the debt or any copy of a
judgment, or the name and address of the original creditor, and a
copy of such verification or judgment, or name and address of the
original creditor, is mailed to the consumer by the debt collector.”
(emphasis added)
I respectfully request that you provide me with the following:
1. the amount of the debt;
2. the name of the creditor to whom the debt is owed;
3. verification or copy of any judgment (if applicable);
4. proof that you are licensed to collect debts in Maine;
5. proof of the last payment made on the account.
I am asserting my rights under the federal and state Fair Debt Collection
Practices Acts and the Fair Credit Reporting Act, including these rights:
• Because I have disputed this debt in writing within 30 days of receipt of
your initial 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.