Initial Dispute Letter

Send an Initial Dispute Letter to Stop Calls

Are collectors calling and demanding money for a debt that may not be yours? Are they demanding money you don’t remember owing or an amount you think may be wrong? All you have to do is send an initial dispute letter to stop calls, at least until the debt is fully validated.

According to the Fair Debt Collection Practices Act (FDCPA) you you have the right to dispute any consumer debt within thirty days of written notice about that debt.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

If you wish to dispute a debt it is in your best interest to do so in writing.The Fair Debt Collection Practices Act requires collectors, once they’ve received your dispute letter, to cease contacting or calling you until they verify the debt is valid. You have this right even if you’ve tried to explain why you do not believe particular debt is yours, and even where the collector continues to ignore your explanation and demands payment today.

Your rights under various consumer protection statutes may be violated by each contact. Each call could be worth five hundred to fifteen hundred dollars damages to you, and each law violated could entitle you to statutory damages of up to $1,000 or more, plus actual damages, plus attorney fees. Get FREE consumer financial legal rights analysis to learn if you qualify for any of this cash compensation by submitting your information for a FREE case review and consultation or call 888-332-7252 now and speak to a live person who wants to help.

Sample Initial Debt Dispute Letter

Don’t just accept the conversation quickly deteriorating into verbal harassment and abuse, do something about it. Use the free sample debt dispute letter below to write your own personal debt dispute letter when you don’t owe the money or at least you don’t think you do.  Feel free to copy and paste the letter below into your word processor.

Download PDF Here

Initial Debt Collection Dispute Letter

Today’s Date

Your Name
Your Address

Collector’s Name
Collector’s Address

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe and demand strict proof and validation of the debt. From here forward, you may not call me again on any number–not you, anyone at your company, nor the owner of the debt. Contact me in writing only.

I respectfully request that you provide me with the following information:

  • (1) the amount of the debt;
  • (2) the name of the creditor to whom the debt is owed;
  • (3) Provide a verification or copy of any judgment (if applicable);
  • (4) Proof that you are licensed to collect debts in (insert name of your state)

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act and other consumer protection statutes. For instance, I know that:

  • because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
  • you cannot add interest or fees except those allowed by the original contract or state law.
  • you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.


Signature here
Your Printed Name

IMPORTANT: Always save copies of your debt collection dispute letters. Also, recognize that the Fair Debt Collection Practices Act does not require collectors to respond to your dispute unless they intend to take specific actions such as pursuing court actions. Finally, don’t be surprised if you never hear from the collector because when collectors cannot verify a debt, they usually drop the account or sell it to another collector.

If you’ve already sent an initial debt dispute letter and have heard nothing back, consider using this follow up debt collection dispute letter to be sure.

Use these free mailing and record-keeping instructions

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  1. Thank you so much for providing this sample letter to assist me with writing a letter to a disputed debt.
    All of you with the Fair Trading Act are just wonderful and help us consumers so much!
    God Bless you for caring about us and providing us the tools for “when things are not right”!

  2. Question: If I am disputing a debt because I know that the SOL has expired do I send both the dispute letter and the SOL dispute letter?

  3. What if the envelope has no postage date to confirm I received the letter today 2/10/16 and the letter inside said 11/29/15!!

  4. Is this letter the type that would need to be sent if I dispute the amount owed? I agree I owe them, but never received a bill, phone call or any other communications. Now I receive a post dated letter from an attorney and based on insurance records, the amount in the letter is more than insurance says I owe. Letter states the amount does not include late fees or attorney fees. Thanks in advance.

  5. What if I sent a dispute letter to the original creditor but they sent me to collection instead of verifying that the debt is actually mine? I requested my dental office to send me validation of the debt. They always make you sign a contract and pay at time of service so I know I don’t have a balance with them. I hadn’t been to the dentist in over a year. All I received was a bill for an amount they say I owed. No date of service, no detailed reason of the debt, just a statement requesting money. After requesting the information from this dental corporation (Western Dental) I was sent to collection

  6. Thank you all for the information we had no idea exist. Peace.

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