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.
Do not hesitate to employ debt dispute especially when you continue to receive harassing collection calls from your creditors or collections agency no matter how you've endeavored to inform them that the debt isn't yours or that the amount reflected on the notice is not the actual amount that you owe them. Do not be reluctant because your action is gallantly supported by the Fair Debt Collection Practices Act (FDCPA).
It is also very important that you keep a copy of the debt dispute letters that you have sent. Another important thing to remember is to use an official mail with a return-receipt requested in all of the debt dispute letters that you sent to your creditors or debt collectors. An official mail will substantially support your argument that you have sent debt dispute letters to your creditor or credit collector lest they deny receiving the debt dispute letters from you.
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.
Again, the key to your success lies on how well you communicate your reproach to your creditor or collections company. It all depends on you. You need to have the guts to roll the favorable situation on your side. Otherwise you loose the possibility to gain ground. When you confront the dispute on your own be sure that you are on the ball. Too little information on how to serve debt dispute letters appropriately unlikely produces a positive result.
Do not hesitate to employ debt dispute especially when you continue to receive harassing collection calls from your creditors or collections agency no matter how you've endeavored to inform them that the debt isn't yours or that the amount reflected on the notice is not the actual amount that you owe them. Do not be reluctant because your action is gallantly supported by the Fair Debt Collection Practices Act (FDCPA).
It is also very important that you keep a copy of the debt dispute letters that you have sent. Another important thing to remember is to use an official mail with a return-receipt requested in all of the debt dispute letters that you sent to your creditors or debt collectors. An official mail will substantially support your argument that you have sent debt dispute letters to your creditor or credit collector lest they deny receiving the debt dispute letters from you.
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.
Again, the key to your success lies on how well you communicate your reproach to your creditor or collections company. It all depends on you. You need to have the guts to roll the favorable situation on your side. Otherwise you loose the possibility to gain ground. When you confront the dispute on your own be sure that you are on the ball. Too little information on how to serve debt dispute letters appropriately unlikely produces a positive result.
About the Author:
Before you are sued by a creditor, go now and pick up your free copy of Allan Henrys' amazing free mini course on how to avoid creditors suing you with the use of a Debt Validation Letter, and pick up a free Debt Validation Letter sample
1 comments:
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