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Sample Dispute Letter to Ace Cash Express, Inc.*

Stop The Harassment

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If you have received a letter or a phone call from an overly aggressive debt collection agency, you understand how fear and anxiety can negatively impact you personal and professional lives.

The stress triggered by the actions of a third party debt collector can go through the proverbial roof when you have no idea why the company is trying to get you to pay of a consumer debt. Not only do you not remember ever taking out such a personal debt, you also believe the alleged debt is another person’s responsibility.

Fortunately, a federal consumer protection law gives you the legal power to dispute an alleged debt. Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) represents the legal playbook consumers use to fight back against bill collectors that implement harassing and intimidating debt collection tactics.

The FDCPA also allows consumers to send a debt dispute letter that contests the validity of an alleged delinquent credit card or personal loan account.

The Importance of Legal Counsel When Crafting a Dispute Letter

Responding to a debt collection agency that claims you owe money on an outstanding credit card or personal loan balance involves drafting a persuasive debt dispute letter. However, you should work with an experienced FDCPA lawyer to ensure does not include any emotionally charged language.

Some of the actions taken by a third party debt collector can trigger certain negative emotions, such as anger and frustration. An objective FDCPA attorney who has written dozens of convincing debt dispute letters will make sure your letter presents a balanced tone that gets to the heart of the debt dispute issue.

Sample Dispute Letter to Ace Cash Express, Inc.*

Sample Debt Dispute Letter for Ace Cash Express, Inc.

Your FDCPA lawyer will follow a proven template when drafting a debt dispute letter. After adding your name and contact information at the top of the letter, your lawyer will write something that looks like the following:

To whom it may concern,

I received a letter from your company on May 4, 2020 regarding an alleged outstanding credit card account. This letter is a formal request for your company to prove the validity of the debt in question. My FDCPA lawyer has advised me to challenge the legal validity of the debt because of the incorrect amount of the alleged debt.

I want your company to send me the following information:

  • Amount of the debt in question
  • Copies of bill statements that confirm the amount of the alleged debt
  • Documentation that demonstrates my legal liability
  • Documentation that proves your company is licensed to collect outstanding consumer debts in the state where I live

If your company fails to comply with my formal request, I will seek justice by filing a claim in a civil court seeking monetary damages for violations of the FDCPA.


Your name

Speak with an FDCPA Lawyer

Timing is everything when it comes to sending Ace Cash Express, Inc. a convincing debt dispute letter. By working with a highly rated FDCPA attorney, you will follow every guideline established by the federal consumer protection law. Schedule a free initial consultation today with a state licensed FDCPA lawyer to fight back against an unlawful bill collector.

Additional Reading

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Ace Cash Express, Inc. or any other third-party collection agency, you may not be entitled to any compensation.