This material is provided to answer general questions about the law in New York State. The information and forms were created to
assist readers with general issues and not specific situations, and, as such, does not replace the legal advice or representation of an
attorney. Because of this and because of unanticipated changes in the law, the Rural Law Center of New York (RLC) makes no claim
that this information will achieve the results you desire. Also, the RLC disclaims any responsibility for actions taken based on this
material. If you are seeking advice about a specific legal issue, you should contact an attorney licensed to practice in New York
State.
Rural Law Center of New York, Inc.
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SAMPLE LETTER TO COLLECTION AGENCY
DISPUTING DEBT
The following page is a sample of a letter that you can send to a
collection agency if you think you do not owe the money they are
trying to collect.
Be sure to keep a copy of your letter and always send a letter like
this “Certified with a Return Receipt”. If you need help with the
mailing, just ask at any post office.