Leading up to September 20, 1977, America consumers had little, if any legal tools to fight back against deceptive and overly aggressive debt collection tactics. Many debt collection agencies used threats to coerce consumers into paying off delinquent credit card and personal loan balances.
Many of the alleged debts were not valid, but consumers paid off the debts anyway. After September 20, 1977, the balance of power shifted towards consumers mostly because of a historic federal consumer protection law.
Written into law by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) makes it illegal for third party debt collectors to threaten consumers with legal action.
The FDCPA also bans the longstanding practice of making repeated phone calls throughout the day to harass consumers. One of the more noteworthy provisions written into the FDCPA gives consumers the right to send bill collectors a debt dispute letter.
Advice Concerning a Debt Dispute Letter
When a bill collector falsely claims you owe money on an outstanding credit card or personal loan account, it is easy to become enraged at the action. However, you have to put emotions aside when the time comes to draft a compelling letter that contests an alleged debt.
Using emotionally charged language will only embolden a debt collection agency like Atlantic Recovery Solutions, LLC to come after you harder.
By working with an accomplished FDCPA lawyer, you will send a debt dispute letter that uses measured words to get your points across. In addition, your attorney will make helpful suggestions that include sending a debt dispute letter by certified mail.
What Should a Dispute Letter Look Like?
At the top of the debt dispute letter sent to Atlantic Recovery Solutions, LLC, you should include your full name, contact information, and the account number associated with the debt in question. Then, you move on to writing the bulk of the letter.
Your debt collection agency sent me a letter dated April 29, 2020 that claims I owe money on an account I took out with Best Buy. This dispute letter is to inform you that I am not legally liable to pay off the alleged debt.
My FDCPA attorney requests that you send proof the alleged debt is legally valid. This means sending me the copies of every bill statement, as well as proof that I paid off some of the debt. We also want you to demonstrate that you have a license to collect consumer debts in (Name of your state).
Until you show evidence of my legal responsibility to pay off the debt in question, you are not allowed to contact me in any away.
Hire a Qualified Lawyer
It is important that you conduct research that vets potential attorneys. The legal counsel that you hire should have years of experience litigating FDCPA cases that ended up in favorable outcomes. Under the FDCPA, you have the right to seek monetary damages not only for violations of the landmark law, but also monetary damages that pay for the pain and suffering caused by physical and/or emotional distress symptoms.
Schedule a free initial consultation today with a qualified FDCPA lawyer.
*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 Atlantic Recovery Solutions, LLC or any other third-party collection agency, you may not be entitled to any compensation.