Add Date To Legal Alabama Fair Debt Collections Forms For Free

If the agency can't provide proof, you owe the money, by law, they must stop collection efforts. If you don't owe the bill, don't pay anything ? ever. Even if you're willing to pay cash so the agency will go away, it's not a good idea. Payment is considered an acknowledgment that you are responsible.

A debt validation letter is sent by a consumer to verify a debt by requesting evidence of the claim. The right to know how the debt was incurred is guaranteed to all consumers through the Fair Debt Collection Practices Act. The letter must be sent within 30 days of receiving notice of the attempt to collect.

You can dispute the debt in writing within 30 days, but if you don't, the collector will assume the debt is valid and can continue collection efforts. Validation letters must also include instructions for disputing the debt.

In simple terms, creditors and collectors only have six years to sue for debts with a written, unsealed contract and any debts related to rent. On the other hand, they have 10 years to sue for debts in writing under seal.

If the agency can't provide proof, you owe the money, by law, they must stop collection efforts. If you don't owe the bill, don't pay anything ? ever. Even if you're willing to pay cash so the agency will go away, it's not a good idea.

To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.