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If you dispute the debt, make a copy of your written dispute and send the original to the debt collector. It's also generally a good idea to send the dispute by certified mail. If you pay for a "return receipt," you'll have proof the debt collector received your mail.

Normally, collections are disputed because the debtor believes they are incorrect for some reason. For example, if you review a copy of your credit report and you see a collection account that you believe belongs to another person, has an incorrect balance or is greater than seven years old, you can file a dispute.

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

If you dispute the debt, make a copy of your written dispute and send the original to the debt collector. It's also generally a good idea to send the dispute by certified mail. If you pay for a "return receipt," you'll have proof the debt collector received your mail.

If a credit bureau has made a mistake on your report ? if you don't recognize the account or a paid account shows as unpaid, for example ? gather documentation supporting your case. Then, file a dispute by using the credit bureau's online process, by phone or by mail. The bureau has 30 days to respond.

In your dispute letter, be clear, concise, and provide compelling evidence to challenge any inaccuracies or unjustified claims. Doing this will help you navigate the challenges of debt collection and assert your consumer rights confidently.