A debt collection agency like Eastpoint Recovery Group, Inc. has sent you several letters regarding an alleged outstanding personal debt. You called the company back after receiving the first letter to explain the debt in question is not your responsibility to pay off. However, the third party debt collector continued to send letters that increased in hostility. Eventually, you received a letter from the bill collector demanding immediate payment, or you can expect to answer a lawsuit filed in a civil court.
How do you fight back against overly aggressive debt collection tactics?
The answer lies in a federal consumer protection law written by the United States Congress. Considered by many legal scholars to represent the consumer Bill of Rights, the Fair Debt Collection Practices Act (FDCPA) forbids debt collection agencies from implementing harassing and intimidating debt collection practices. The influential federal consumer protection law also gives you the right to send a debt dispute letter to Eastpoint Recovery Group, Inc.
What You Should Know about a Debt Dispute Letter
Some debt collection agencies use deception to trick consumers into paying off delinquent credit card and personal loan accounts. Another sleight of hand debt collection tactic involves misrepresenting what is owed on a personal debt. If you believe a bill collector is trying to deceive you, working with a state licensed FDCPA attorney can help you draft a convincing debt dispute letter.
Five days after first contacting you, a debt collection agency must send you a confirmation letter that presents detailed information about an alleged debt. However, many third party debt collectors do not present enough evidence that a debt exists, which means you have 30 days after receiving a debt confirmation letter to respond by sending a debt dispute letter. The letter should not contain any emotionally charged language, regardless of how a bill collector has treated you.
Writing a Dispute Letter for Eastpoint Recovery Group, Inc.
A debt dispute letter sent to Eastpoint Recovery Group, Inc. should contain the date, your name and contact information, and the account number associated with the debt in question at the top of the letterhead. Here is how you could complete the dispute letter.
A representative from your company contacted me on April 28, 2020 to discuss an alleged outstanding personal loan balance. Since the FDCPA grants me the power to contest the debt, I need for your company to send me the following information:
• Total amount due
• Name and contact information of the original creditor
• Copy of the signed loan agreement
• Evidence that I am responsible for paying off the alleged debt
• Document that demonstrates your company has a license to collect debts in (State)
Because I sent this letter within 30 days of receiving your debt confirmation letter, my FDCPA attorney has advised me to request that you do not contact me again, unless it is to present evidence of my obligation to pay off the debt in question
You have several reasons to dispute a consumer debt, from challenging the existence of the debt to questioning the validity of a bill collector’s professional credentials. Schedule a free initial consultation with an experienced FDCPA lawyer to craft the most persuasive debt dispute letter sent to Eastpoint Recovery Group, Inc.
- Dispute Letter By Collection Agency
- Did A Collection Agency Make False Statements Regarding Your Debt?
*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 Eastpoint Recovery Group, Inc. or any other third-party collection agency, you may not be entitled to any compensation.