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5 sample letters to send debt collectors
Wondering how to respond to a debt collector? Our sample letters can help if you:
- Need more information
- Do not owe the debt
- Want the debt collector to stop contacting you while you dispute the debt
- Want the debt collector to only contact you through a lawyer
- Want to specify how the debt collector can contact you
* These letters are not legal advice. You'll also want to keep copies of any letters you send.
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The basics of debt collection
Why a debt collector is contacting you
A debt collector may be trying to contact you because a creditor believes you are past due on the payments you owe on a debt. Read more
Learn what could happen if you avoid a debt collector
Ignoring or avoiding a debt collector is unlikely to make the debt collector stop contacting you. If you believe you do not owe the debt, you should tell the debt collector. Read more
Learn about some examples of "unfair" practices by a debt collector
The Fair Debt Collection Practices Act (FDCPA) says that a debt collector is not allowed to use unfair practices in trying to collect a debt. Read more
Understand your situation
Take action
Submit a complaint
If you are having an issue with debt collection, you can submit a complaint to the CFPB. We’ll work to get you a response from the company.
Learn more about debt collection
Looking for more information? We can help you address many other questions you may have about debt collection.