Until September 20, 1977, consumers were literally at the mercy of aggressive debt collection agencies. Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) established legal guidelines for third party debt collectors and provided protections for consumers against unethical dent collection practices.
One of the legal rights granted by the FDCPA allows consumers to send dispute letters that contest the validity of alleged outstanding debts.
A dispute letter sent to General Revenue Corporation represents a powerful legal tool. Bill collectors are legally obligated to inform you about the amount of the debt in question within five days of making initial contact.
Debt collection agencies must also provide the name and address of the original creditor, as well as inform you about your legal right to dispute an alleged credit card or personal loan balance within 30 days.
Drafting a Dispute Letter for General Revenue Corporation
By working with a licensed consumer protection lawyer, you ensure the dispute letter sent to General Revenue Corporation contains the proper legal language. You do not want your emotions to diminish the impact of the dispute letter.
Moreover, your lawyer will monitor the behavior of the third party debt collector to see if any of the agency’s actions warrant a lawsuit filed in civil court. Debt collection agencies are not allowed to threaten consumers or make phone calls at odd hours of the day.
Under the FDCPA, General Revenue Corporation cannot make false statements in regard to the alleged debt or intimidate you by contacting friends and family members.
What to Include in Your Dispute Letter
Your dispute letter should begin by listing your contact information and the contact information of the debt collection agency. The first paragraph should include the reason(s) why you are disputing the debt in questions.
Reasons for contesting alleged debt include invoking the statute of limitations mandated by state law or claiming the debt in question is another consumer’s responsibility.
The heart of the dispute letter contains several requests for General Revenue Corporation Your lawyer will ask the bill collector to submit the amount owed on the alleged debt, as well as the name and contact information for the original creditor.
Your lawyer will request General Revenue Corporation present evidence that you are legally liable for settling the alleged debt. You want to ensure the debt collection agency has a license to collect outstanding consumer debts in the state where you live.
At least one reference to the FDCPA demonstrates the seriousness of the dispute letter. Section 809(b) discloses you plan to keep thorough records of all communications between you and General Revenue Corporation. Wait about 90 days to determine whether the credit blemish caused by General Revenue
Corporation remains on your credit report. Each of the three major credit reporting bureaus is obligated by federal law to provide consumers with one free credit report every year.
General Revenue will work with a team of accomplished lawyer to collect on a debt you allegedly owe. Make the balance of legal power shift in your favor by speaking with an experienced FDCPA lawyer today.
*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 General Revenue Corporation or any other third-party collection agency, you may not be entitled to any compensation.