You received a letter in the mail from a debt collection agency that took you by surprise. The company insists you owe money on an alleged delinquent credit card account. Not only do you not remember taking on the debt in question, the amount requested in the letter far exceeds any amount of money you have ever used to finance a personal debt.
You begin to question the legal validity of the debt, as well as wonder if you have a way to fight back against the third party debt collector.
On September 20, 1977, the United States Congress passed the most influential federal consumer protection law. Referred to as the consumer Bill of Rights by many legal scholars, the Fair Debt Collection Practices Act (FDCPA) outlaws dozens of previously acceptable debt collection tactics.
A company like Aldous & Associates, PLLC is not allowed to threaten you in any way, as well as call you at home after 9pm and before 8am. In addition, the FDCPA gives consumers the right to contest an alleged debt by sending a dispute letter.
Write a Balanced Debt Dispute Letter
Dealing with a bill collector can be a frustrating experience at best, and an experience at worse that triggers a considerable amount of anger. When you sit down to write a debt dispute letter, you want to make sure not to include any emotionally charged language. Most bill collectors respond aggressively when threatened in any way.
By hiring a state licensed FDCPA attorney, you prevent emotionally charged language from diminishing the effectiveness of a debt dispute letter. Your attorney also knows the timeline established by the FDCPA for sending a debt dispute letter to a debt collection agency such as Aldous & Associates, PLLC.
Actual Sample Dispute Letter
A debt dispute letter should contain important information at the top of the letterhead. You should add the date of the letter, as well as your name and contact information. The account number of the alleged debt allows a bill collector to access your information quickly.
Here is how the rest of the letter should read:
To whom it may concern,
You company called me at home on May 6, 2020 in regards to an outstanding credit card account I allegedly owe. After meeting with my FDCPA lawyer, I believe the debt in question is actually a debt that someone else is responsible for paying. This letter represents my formal request to provide evidence that I am legally obligated to pay off the alleged debt.
Proof of my financial responsibility should include the contact information of the original creditor, which I plan to use to confirm the validity of the alleged debt. I also want you to send me a copy of your license to collect consumer debts in the state where I live. Until you send me proof that I am legally responsible for taking care of the debt in question, the FDCPA states that you are not permitted to contact me in any way.
Schedule a free initial consultation today with a highly rated FDCPA lawyer to determine the best course of legal action against Aldous & Associates, PLLC.
*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 Aldous & Associates, PLLC or any other third-party collection agency, you may not be entitled to any compensation.