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To dispute a debt, you must send a debt verification letter to the debt collector. These terms can be confusing, but think of a debt verification letter as your way of saying that you intend to dispute the debt. Debt collectors send debt validation letters; debt verification letters are sent in response to one.

Look for companies or businesses that issue store credit cards or accounts, as well as allow customers to issue checks, such as the local grocery store. Call these locations to find out who collects their past-due debts.

We advise you to send whatever information you have, even if you think it is outdated or unimportant. A good collection agency can conduct research based on an old address or old phone number. Supporting documents, such as a signed contract, invoice, or other paperwork, can be very helpful.

What Should You Do Before Sending an Invoice to Collections? The debtor's name (individual or business) The debtor's address. The debtor's phone number. The amount owed. The date when the debt was incurred. A statement or invoice to validate the debt. Proof (e.g., an invoice or statement) to verify and validate the debt.

When you fall behind on payments, your creditor may put your account into collections. Some creditors have in-house collection departments, but many will charge off the debt, close your account and sell the debt to a third-party collection agency.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.