Debt collection agencies typically are relentless in the pursuit of outstanding debts owed on credit card and personal loan accounts. A letter from a third party debt collector such as Delta Outsource Group, Inc sets the stage for phone calls that badger you to give up the rights granted to you by a landmark federal consumer protection law.
However, under the Fair Debt Collection Practices Act (FDCPA) of 1977, you have the legal right to dispute a claim by a bill collector that you are liable for settling a delinquent debt.
The FDCPA clearly defines three separate parts of a dispute letter sent to a debt collection agency. First, you have the right to be informed about the existence of the debt. Second, the FDCPA grants you the right to dispute the alleged debt.
Third, you can demand a third party debt collector confirm the debt in question. Within five days of the initial form of contact, a third party debt collector like Delta Outsource Group, Inc. must explain how much is owed on an outstanding credit card or personal loan account, as well as tell you the name and contact information of the original creditor.
Drafting a Dispute Letter for Delta Outsource Group, Inc.
Although the FDCPA grants consumers the right to dispute the existence of an outstanding debt, the groundbreaking law does not provide a blueprint on how to write a dispute letter. By working with a FDCPA lawyer, you ensure a dispute letter sent to Delta Outsource Group, Inc. contains all the legal elements required to have the letter stand up in a courtroom.
Moreover, your lawyer will not include emotionally charged language that consumers often add when drafting a FDCPA dispute letter. Your consumer protection lawyer will also contest any other violations of the FDCPA that include calling you at home after 9pm and before 8am.
The FDCPA prohibits aggressive debt collection agency tactics, such as using abusive language and implementing deceptive debt collection techniques.
Actual Dispute Letter Written by Your FDCPA Lawyer
A dispute letter sent to Delta Outsource Group, Inc. will present the contact information for you and the debt collection agency at the top of the printed or electronic letterhead. Your lawyer will then craft a dispute letter that looks something like this:
Your debt collection agency called me at home on November 24, 2018 in regards to an alleged consumer debt. I am not responsible for this debt because I never established an account with the original creditor. My FDCPA lawyer has advised me to request your company provide me with the following information:
- The amount of the debt in question
- The complete contact information for the original creditor
- Proof that I am legally liable for the alleged debt
- Documentation that shows your debt collection agency has a license to collect debts in the state where I live
Next Steps to Take
Make sure to include the reason for disputing an outstanding debt that pertains to your case. You have 30 days from the day a third party debt collector contacted you to send a dispute letter.
Be proactive when it comes to dealing with Delta Outsource Group, Inc. Contact a licensed consumer protection lawyer today to learn how the FDCPA protects consumers against aggressive debt collection agency efforts.
*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 Delta Outsource Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.