Pursuant to 15 USC 1692g (Sec. 809 of the Federal Debt Collection Practices Act), a debtor is allowed to challenge the validity of a debt that a collection agency states you owe to the creditor they represent. Use this form letter requires that the agency verify that the debt is actually the alleged creditor's and owed by the alleged debtor.
Washington Letter Denying that Alleged Debtor Owes Any Part of Debt and Requesting a Collection Agency to Validate that Alleged Debtor Owes such a Debt
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How to fill out Washington Letter Denying That Alleged Debtor Owes Any Part Of Debt And Requesting A Collection Agency To Validate That Alleged Debtor Owes Such A Debt?
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FAQ
A debt validation letter should include the name of your creditor, how much you supposedly owe, and information on how to dispute the debt. After receiving a debt validation letter, you have 30 days to dispute the debt and request written evidence of it from the debt collector.
Can a debt collector report a disputed debt to a credit reporting agency? If you dispute the debt, the debt collector cannot report it to a credit reporting agency unless and until it verifies the debt.
Format the letter thusly: Your full name and address. The collections agency's name and address. A request for the amount of the debt claimed to be owed. A request for the name of the original creditor. A request for the judgment information (if applicable) A request for proof of the company's license.
A debt dispute letter demands that the collection agency demonstrate that you do indeed owe the debt and can provide detailed information and documents to prove the amount owed. Federal law says that after receiving written notice of a debt, consumers have a 30-day window to respond with a debt dispute letter.
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.
Once you dispute the debt, the debt collector can't call or contact you to collect the debt or the disputed part of the debt until the debt collector has provided verification of the debt in writing to you.
Address the letter to the collection agency that reported the debt to the credit bureau. 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.
In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they cannot file a collection lawsuit.
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.
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The creditor who is owed the debt; A disclosure statement giving the consumer 30 days to dispute the debt. When you do receive such letters, ... (f) Any person while acting as a debt collector for another person, both of whom are(8) "Debtor" means any person owing or alleged to owe a claim.Under the California statute, a ?debt collector? is ?any person who, in thethe following: (a) the amount of the debt that the debtor allegedly owes; ... The Glendale Apartments have alleged that I owe $450 for replacement of the carpet. However, I did not cause any damage to the carpet, and there was no need ... By law, a consumer must receive written notice (known as a debt validation letter) within five days of the collector's initial attempt to contact you. That ... The Fair Debt Collection Practices Act (FDCPA),. 15 U.S.C. 1692 et seq., imposes various requirements on ?a debt collector in ... The FDCPA does not apply to a creditor collecting its own past-due accounts.The collector must tell the person who allegedly owes the debt that the ... where the defendant denies that he is the alleged debtor, then The debt collector is not owed anything because the debtor. Each account holder's signature needs to be on file with the bank.A company hired by a creditor to collect a debt that is owed. Creditors typically ... The most common type of such business-to-consumer lawsuits is debt claims, also called consumer debt and debt collection lawsuits.