Send Via Email Legal New Jersey Fair Debt Credit Forms For Free

You must make your request in writing within 30 days of the debt collector's initial contact with you. If you wait more than 30 days, your validation request may not be covered under debt collection law. Your rights are not protected if you make your debt validation request over the phone.

It should be short, concise, to the point and very clear as to what you want. It's imperative that you say as much as you can with as little text as possible. Remember to include the exact amount owed, the invoice number and the due date.

While email may be easy, it's not recommended if you need to send a debt validation letter. Instead, send the letter via certified mail with a return receipt so you have proof the creditor received the letter. Or, you can fax it, as long as you keep a copy of the confirmation receipt for your records.

Collectors who don't send these letters could get in trouble with the Federal Trade Commission (FTC) if you file a complaint against them. To formally request debt validation, start by sending a letter via certified mail to the debt collector ? LendingTree's debt validation letter template can help you get started.

The FDCPA forbids harassing, abusive and oppressive conduct?regardless of the kind of communication method the debt collector uses. Therefore, in addition to in-person and telephone interactions, debt collectors may not excessively contact customers via text and email in violation of the FDCPA.

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.