It is how you use the debt dispute letters and how you convey the dispute to your creditor or credit collector that determines the success of your debt dispute. The dispute needs both the debt validation letters and the debt verification letters. When you are considering a dispute, it is for your best interest to correspond to your creditor or collections agency using debt validation letters and the debt verification letters. Because under the law, written argument are enforceable compared to verbal communication.
Dispute your debt legally when you notably receive incessant, frustrating debt collection calls from your creditor or collections agency especially when you already told them that the billed amount is wrong or that you are not the person who actually owes them the debt. And if you're wondering, debt disputes are legitimately supported by the Fair Debt Collection Practices Act (FDCPA).
Keep yourself a copy of the debt dispute letters that you send to your creditor or collections agency. And when you send those dispute letters, be sure to use an official mail with a return-receipt requested. Unlike the certified mail, your creditor or collections agency cannot negate your argument when you use an official mail in sending out the debt validation letters.
After you sent the dispute letters, do not anticipate. Your creditors or collections agency may not respond to your letter. It does not mean that all your efforts are put to waste. It's just that the Fair Debt Collection Practices Act (FDCPA) has given your creditor or collection agency the discretion to respond to your letter. They are not obliged to respond except when they take specific actions to resolve your dispute.
Properly written debt validation letters should be sent shortly after you receive the preliminary collection notices whether they come from your creditor or from collections agency. This way, you affirm whether the claims of your creditors or collections agency are legitimate or not.
Remember, the success of your debt dispute rests highly on how you convey the dispute. The whole process depends greatly on you. To pull success towards you, you must be optimistic and forward-thinking. Your creditor and debt collector might be one step ahead of you in the industry. However a well planned debt dispute together with a thoroughly written debt dispute letters, success is not out of the way.
Dispute your debt legally when you notably receive incessant, frustrating debt collection calls from your creditor or collections agency especially when you already told them that the billed amount is wrong or that you are not the person who actually owes them the debt. And if you're wondering, debt disputes are legitimately supported by the Fair Debt Collection Practices Act (FDCPA).
Keep yourself a copy of the debt dispute letters that you send to your creditor or collections agency. And when you send those dispute letters, be sure to use an official mail with a return-receipt requested. Unlike the certified mail, your creditor or collections agency cannot negate your argument when you use an official mail in sending out the debt validation letters.
After you sent the dispute letters, do not anticipate. Your creditors or collections agency may not respond to your letter. It does not mean that all your efforts are put to waste. It's just that the Fair Debt Collection Practices Act (FDCPA) has given your creditor or collection agency the discretion to respond to your letter. They are not obliged to respond except when they take specific actions to resolve your dispute.
Properly written debt validation letters should be sent shortly after you receive the preliminary collection notices whether they come from your creditor or from collections agency. This way, you affirm whether the claims of your creditors or collections agency are legitimate or not.
Remember, the success of your debt dispute rests highly on how you convey the dispute. The whole process depends greatly on you. To pull success towards you, you must be optimistic and forward-thinking. Your creditor and debt collector might be one step ahead of you in the industry. However a well planned debt dispute together with a thoroughly written debt dispute letters, success is not out of the way.
About the Author:
In advance of being sued by a creditor, go now and grab your free sample letter of Allan Henrys' excellent free mini course on avoiding a lawsuit with the important use of a Debt Validation Letter, and pick up a free Debt Validation Letter sample
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