Despite the passage of a landmark federal consumer protection law, a large number of debt collection agencies continue to cross the legal line by implementing deceptive and overly aggressive debt collection tactics. Some companies responsible for collecting consumer debts try to collect money on phantom accounts, as well as claim that a consumer owes more money that he or she is legally obligated to pay.
If a third party debt collector such as Alliant Capital Management tries to trick you into sending money that you do not have to send, you should lean on a historic federal consumer protection law to prevent the bill collector from deceiving you.
How to Fight Back against Deception
Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) includes a provision that gives consumers the right to send formal debt dispute letters to third party debt collectors like Alliant Capital Management. If a company has contacted you regarding a debt that does not exist, you should respond by sending the debt collection agency a certified debt dispute letter.
Writing a persuasive dispute letter requires using neutral language that does not motivate a third party debt collector to come after you harder. An experienced FDCPA understands exactly how to write a debt dispute letter that lets a third party debt collector know you are serious about protecting the rights granted by the FDCPA.
How to Write a Convincing Debt Dispute Letter
Every debt dispute letter should contain the same information that is posted at the top of the letter. First, you should include the date that you sent the letter, which should match the date of the postmarked date printed on the certified letter envelope. Next, present your name and contact information. Before you start the letter, add the account number of the debt in question. Then, you are ready to write the dispute letter.
To whom it may concern:
On April 27, 2020, I received a phone call from your company concerning an alleged delinquent credit card account. With my FDCPA lawyer advising me, I am sending this letter to dispute the amount owed on the debt in question.
My attorney and I request that your debt collection agency provide us with evidence of the actual amount owed on the outstanding credit card balance. Please submit the amount allegedly owed, as well as a copy of very bill statement. Under the FDCPA, your company must submit a document that shows you are licensed to collect debts in the state where I reside.
The FDCPA clearly states that your company can no longer contact me until you can prove the amount allegedly owed on the outstanding credit card account is accurate.
Contact a Highly Rated FDCPA Lawyer
Writing a powerful debt dispute letter is one thing. Being prepared to respond to the company’s position on the debt is quite another thing. By working with a state licensed FDCPA attorney, you balance the scales of legal power. You can bet Alliant Capital Management will be represented by a team of corporate lawyers. Schedule a free initial consultation with an FDCPA lawyer today to match the legal strength of Alliant Capital Management.
*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 Alliant Capital Management or any other third-party collection agency, you may not be entitled to any compensation.