If Accelerated Financial Solutions is contacting you about a past-due debt, but you don’t think you are responsible for this debt, you have rights thanks to the Fair Debt Collection Practices Act (FDCPA). The FDCPA allows you to ask for validation of the debt, so Accelerated Financial Solutions is obligated to provide the information you request. After you have sent the request for debt validation to Accelerated Financial Solutions, they must cease the collections process until they provide you with the requested evidence. You can ask them for proof of the debt, a copy of the original debt agreement, and the total debt amount.
Drafting Your Letter to Accelerated Financial Solutions
If you don’t think you owe the debt to Accelerated Financial Solutions, you should consult with an FDCPA lawyer who is licensed to practice law in your state. Your attorney will gather supporting documentation on your behalf and will send it along with the well-prepared dispute letter to Accelerated Financial Solutions. The letter will follow the guidelines established by the FDCPA and will request specific details to validate the debt in question. You will have 30 days from the date you are notified of the debt to ask for validation. The laws don’t specify a time limit for the collection agency to respond to your validation request, but you can set a time limit in your letter. You can specify you require a response within 30 days. That way, if they don’t respond within that timeframe, the debt isn’t validated, and collections must stop.
Actual Sample Letter
I ask Accelerated Financial Solutions to provide me with specific information regarding the validation of the debt they are trying to collect from me. This request is being made based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809(b). I am demanding proof that I am responsible for the debt as well as proof to validate the debt. I ask for documentation proving the name of the original creditor, a copy of the agreement you have with the creditor authorizing you to collect this debt, proof of the amount owed on the debt, the original credit agreement, if applicable details regarding any judgment, the payment history on this debt, proof of the amount of the last payment and when it was made, and evidence to prove the Statute of Limitations for collecting this debt hasn’t expired. I also request a copy of Accelerated Financial Solutions’ license to collect debt in my state.
If Accelerated Financial Solutions fails to provide me with this requested information or fails to respond to this request for debt validation within 30 days of receiving this letter, all references to this debt must be deleted and it must be removed from my credit record. At that time, any future attempts to collect this debt should cease. Failure to respond to my request will indicate that you are making the implied agreement to reimburse me for any legal fees, including court costs and attorney’s fees, should I choose to advance with this matter to court. Be sure you include the account number and reference number for the debt in question, so Accelerated Financial Solutions can identify it. Sign the letter to conclude it.
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Talk to an Attorney Today
If Accelerated Financial Solutions is pursuing a debt from you that you don’t think you owe, you should consult with an FDCPA lawyer who practices in your area. You only have 30 days from the date of being notified of the debt to request validation or to dispute it, so be sure to follow up with the debt in a timely manner. If you wait too long, you could end up being held responsible for a debt you don’t owe. It could also haunt you on your credit report and the collection calls will continue. The FDCPA was enacted to help consumers like you avoid unethical and scrupulous debt collection practices. Because of the FDCPA, more debts are collected in a fair, reasonable approach. Take advantage of your rights and call an FDCPA lawyer today to review your case and to determine the best way to proceed.
Additional Resources
*Disclaimer
The content of this article serves only to provide information and should not be construed as legal device. If you file a claim against Accelerated Financial Solutions or any other third-party collection agency, you may not be entitled to any compensation.