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Montana Second Letter Requesting a Collection Agency to Validate a Debt that You Allegedly Owe a Creditor

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Control #:
US-DCPA-21.5BG
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Word; 
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Description

A debtor can challenge the validity of a debt that a collection agency states is owed to the creditor they represent. This form letter requires that the agency verify that the debt is actually the alleged creditor's and owed by the alleged debtor.
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How to fill out Montana Second Letter Requesting A Collection Agency To Validate A Debt That You Allegedly Owe A Creditor?

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FAQ

If a debt collector fails to verify the debt but continues to go after you for payment, you have the right to sue that debt collector in federal or state court. You might be able to get $1,000 per lawsuit, plus actual damages, attorneys' fees, and court costs.

In dismissing a putative class action under the Fair Debt Collection Practices Act (FDCPA), the Court held that a debt collector may place the validation notice in the body of an email serving as the initial communication with the consumer without having to comply with the Electronic Signatures in Global Commerce Act (

You can submit a complaint via the FTC website under the link for consumer complaint. Contact each credit reporting agency and dispute the debt. You can do this via their websites. Notify them that you have failed to receive debt verification from the debt collector.

Write and Mail a Letter State that you're requesting validation of the debt or removal of the debt from your credit report. Then mail the letter and request a return receipt so you have proof that you sent it and that the collection agency received it.

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.

The key is to be thorough in your request for debt verification. In your letter, ask for details on: Why the collector thinks you owe the debt: Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract.

I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

The name of the creditor. The assumption that the debt will be valid unless you dispute it within 30 days. Notification that you can request verification of the debt within 30 days. Notification that you can request the name and address of the original creditor within 30 days2feff

Debt validation is your federal right granted under the Fair Debt Collection Practices Act (FDCPA). To request debt validation, you must send a written request to the debt collector within 30 days of being contacted by the collection agency.

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.

More info

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New Search For your convenience, we have created a short list of the Top Websites for Collecting Personal Debt. You can click on the links to navigate to individual websites. Your browser should be open to the above links to access the sites to view the best for you. If they do not load, please refresh your browser. Please note that these top websites for collecting creditors (for free) will not always have all the services that our Top Sites for Collecting Consumer Debt offers. Please keep this in mind when choosing a collection agency and website. We suggest you check the website, their services, and the terms and conditions before signing up. The Personal Debt Collection Association has developed this tool to encourage people with debt to join the association and become debt collectors. A list of free websites is also available to assist you in your search for a collector.

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Montana Second Letter Requesting a Collection Agency to Validate a Debt that You Allegedly Owe a Creditor