Home » Disputing Debt Collections

Disputing Debt Collections

You just received a call from a collector who was rude, obnoxious and very abusive to you and now you’re both scared and angry! You’re looking for help understanding your rights and you want to know how to Fight Back to protect yourself and…your family!

Disputing Debt Collections

IMPORTANT: In order to protect your rights under the FDCPA, you must place debt collection accounts in “disputed status” as soon as bill collectors or debt collection agencies contact you about debts that you believe are invalid, inaccurate or don’t belong to you!

Use the information on this site and free sample letters below to deal with unfair and illegal collection tactics. Put bill collectors on notice that you know your rights and will use them to stop their illegal harassment and abuse!

Stop Collection Cold!
The debt is not valid yet debt collectors continue to harass and abuse you! Learn how to fight back and stop their abuse!

Stop Calling Me Letter
Use this sample letter to “officially” inform debt collectors to cease and desist calling you at home, at work or any other location.

Initial Dispute Letter
Dispute letter for responding to a debt collector’s initial call or letter according to the FDCPA.

Follow-up Dispute Letter
Dispute letter for when collectors fail to respond to your initial dispute letter.

Debt Payment Agreement Letter
Use this letter to outline payment offers when you do not dispute the debt and wish to make payments you can afford!

Debt Settlement Letter
Use this letter when you wish to settle a debt for less than collectors are demanding.

Expired SoL Notification Letter
When the Statue of Limitations (SoL) to enforce a debt has expired, use this letter to inform collectors and creditors.

Mailing & Record-keeping Instructions
Accurate records win lawsuits! Use these mailing and record-keeping instructions when corresponding with collectors and creditors.

Payment Termination and Refusal to Pay Letter
When collectors no longer accept your previously agreed upon payments, use this letter to terminate the relationship.

Script for When Collectors Call
Rather be caught off-guard, use this script when collectors call demanding payments.

Are you experiencing a loss of income; a job loss or disability or a recent separation or divorce? Maybe you just lost a loved one; your only source of income. Perhaps a family member has been ill and medical bills are piling up? Whatever the reason for your current financial situation, sometimes paying our debts is just not possible!

When life knocks us down, that’s when collection calls can be the most disturbing. When those calls come in, the only way to protect yourself and keep your sanity, is to understand your rights under the Fair Debt Collection Practices Act.

The worst time is when you’re broke and your self-esteem has been battered and bruised. Because unscrupulous and unprofessional collectors take advantage of your phycological state of mind when they call about overdue debts Congress was forced to pass the FDCPA to protect consumers against abusive and unfair collection tactics.

Disputing debts is mandatory whenever you believe the debt to be invalid! For instance, you do not believe the debt is yours or the amount collectors claim you owe is incorrect, or you’ve already paid the debt off or the statute of limitations to enforce the debt has expired. Disputing collections, AKA dunning notices, is mandatory

The FDCPA gives you the right to dispute debts and even inform collectors that you refuse to pay a debt! BUT, you must do so in writing! Use the free disputing collection letters on this site or draft your own to send your initial dispute of a consumer debt to collection agencies.

IMPORTANT: Keep accurate records of all correspondence, including copies of debt collection and letters along with your dispute letters. It’s vital to keep everything, even the envelopes that dunning letters arrive in. If possible, tape record all collection phone calls but ALWAYS inform the caller that you’re taping the call and keep messages left on answering machines too.

Rules for dealing with debt collectors who use unfair and illegal collection tactics:

  • Don’t be intimidated – you have rights!
  • Get everything in writing BEFORE paying AND keep accurate records!
  • Remember, you decide on payment amounts and intervals NOT the collector!
  • Do not let harassment and abusive treatment by debt collectors go unreported!
  • You DO NOT have to pay by post-dated checks or automatic withdrawals!
  • Don’t let collectors bully you into payment agreements that you simply cannot afford!
  • When caught off-guard ask for a call-back in a hour, so you can GATHER YOUR THOUGHTS

If you believe you are a victim of unfair or illegal debt collection tactics, submit your information to a FREE* Fair Debt Lawyer by:

The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!

 

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.

2 comments

  1. I received treatment at a non-for-profit hospital as I did already filed for their program and received 90% write off but the hospital only honored the hospital bill , not the doctors end, as it clearly stated that any bill from the hospital and/or doctors would receive the write off and my wife was covered under it as well but they are treating it like it’s a separate account , which we are under the same . I have two billings that my insurance carrier paid them in full . The hospital took those billings and made a bill from it which is untrue . I ended up going to the attorney general and sent them the documents of showing that the hospital has been paid in full but they took to what they was to write off and made a bill from it and lied to the attorney general as to what they told them was allowed but I was to provide the documents and still the attorney general believed them . I now am receiving a bill from the hospital and they are very stuck on me owing and help is needed as I’m disabled with limit income and have no problem paying if I owe but , I don’t .

    • I received treatment at a non-for-profit hospital as I did already filed for their program and received 90% write off , but the hospital only honored the hospital bill , not the doctors end as it clearly stated that any bill from the hospital and/or doctors would receive the write off and having a credit with them the remaining 10% was applied . My wife was covered under the same as I for having 90% write off . I have two billings that my insurance carrier paid them in full . The hospital took those billings and made a bill from it which is untrue . I ended up going to the Attorney General of Kansas and sending them the documents of showing that the hospital has been paid in full but they took to what the hospital only said and as far as I know no documents to prove to what is correct or not was ever given as it was only for me to provide .I’m now receiving a bill from the hospital as they are very stuck on me owing as help is needed as I’m disabled with very limited income .

Leave a Reply

Your email address will not be published. Required fields are marked *

*