Chicago Illinois Letter Denying that Alleged Debtor Owes Any Part of Debt and Requesting a Collection Agency to Validate that Alleged Debtor Owes such a Debt

State:
Multi-State
City:
Chicago
Control #:
US-DCPA-21.3BG
Format:
Word; 
Rich Text
Instant download

Description

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.

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How to fill out Chicago Illinois 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

Do Debt Validation Letters really work? Yes, they do. When a debt collector receives a Debt Validation Letter, they are legally required to provide validation of the debt. Debt Validation Letter's work best when they include a cease and desist clause that forces a lawsuit.

Misrepresentations about the debt, including the amount owed. Falsely claiming that the person contacting you is an attorney. Threats to have you arrested. Threats to do things that cannot legally be done, or threats to do things that the debt collector has no intention of doing.

A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. The CFPB's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.

Under the FDCPA, a debt collection agency is prohibited from contacting you during certain times of the day, unless you give them permission. For example, a debt collector is allowed to contact you only between the hours of 8 a.m. and 9 p.m.

5 Things Debt Collectors Are Forbidden to Do Pretend to Work for a Government Agency. The FDCPA prohibits debt collectors from pretending to work for any government agency, including law enforcement.Threaten to Have You Arrested.Publicly Shame You.Try to Collect Debt You Don't Owe.Harass You.

Debt collectors cannot make false or misleading statements. For example, they cannot lie about the debt they are collecting or the fact that they are trying to collect debt, and they cannot use words or symbols that falsely make their letters to you seem like they're from an attorney, court, or government agency.

When writing the letter, request that the collection agency or creditor provide you with: Documentation that you owed the debt at some point, such as a contract you signed. How much you owe and the last outstanding action on the debt, which can be shown by documents such as the last statement or bill.

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.

Request to Validate Medical Debt Dear collection agent, I received a bill from you on date and as allowed under the Fair Debt Collection Practices Act (FDCPA), I am requesting that you allow me to validate the alleged debt.

The debt verification letter is a letter you write and send to the debt collector, disputing the debt (if you truly don't owe it or owe as much as the collector says you do). You'll also send this letter via certified mail with a return receipt request so you have a record of your communication back to the collector.

More info

The validation letter is the one from the debt collector back to you, the supposed debtor. Consumers who never owed the original debt in the first place.An unmarried father can apply for services to establish paternity -- a legal relationship with his child. Consumer Financial Protection Bureau (Bureau or CFPB) and the Federal Trade Commission. Chapter 35 "Bankruptcy" examines debtors' and creditors' rights under bankruptcy law. Physical violence; threats of physical violence or death; isolation; and debt bondage. 102.20 Answer to complaint; time for filing; contents; allegations not denied deemed admitted ………. 6. 102.21. 102.22. 102.23.

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Chicago Illinois Letter Denying that Alleged Debtor Owes Any Part of Debt and Requesting a Collection Agency to Validate that Alleged Debtor Owes such a Debt