If you are being contacted by Global Collection about a debt that is past due, and you don’t believe you owe that debt, you have the right to request additional information regarding the debt and its collection.
The Fair Debt Collection Practices Act (FDCPA), which was enacted to promote fairness in debt collecting and to establish guidelines for both parties regarding debt collection.
You can ask for validation of the debt, which includes the details of the debt being disputed and the name of the original creditor. The FDCPA allows you to ask for this specific information that proves the debt is owed.
After Global Collection has received notification of your request, they must stop collection activity until they provide you with proper validation of the debt, showing that you are indeed the responsible party and the amount of the debt that you owe.
Drafting Your Letter To Global Collection
You will need to consult with an FDCPA lawyer, who can guide you through the process. Your lawyer will gather documentation and draft the dispute letter to send to Global Collection.
With experience in writing such letters and familiarity with the laws governing such transactions, your attorney can effectively and efficiently handle this process. You usually have only 30 days from the date of the letter to dispute your debt and to ask for validation.
While the laws may not specify the timeframe in which Global Collection must respond, you can specify a time limit in the letter.
You should contact an FDCPA attorney to help with the letter, so you can ensure that your request is made in a timely manner and that you comply with the FDCPA laws.
Actual Sample Letter
I am requesting that Global Collection provide me with the information that is needed to validate the debt that you claim I owe. I am making this specific request based on the rights I am given by the Fair Debt Collection Practices Act, which is listed under 15 USC 1692g Sec. 809(b).
I demand the information be provided to me regarding the debt amount, the original creditor’s name, the judgment if applicable, the agreement you have with the creditor that authorizes you to collect this debt on their behalf, valid copies of the original debt agreement made with the creditor, documents that show the amount of the debt and any payments made, any interest charges, your license to collect debt in the state where I live, and when the last payment was made toward this debt. I also request proof that the Statute of Limitations for collecting this debt has not yet expired.
If Global Collection then fails to reply to my letter within 30 days of the date of receipt, all references made regarding this specific debt must be removed from my credit file. Any future attempts to collect this specific debt would need to stop.
If you fail to comply with my debt validation request, it will be considered a waiver of claims to enforce this debt against me, and your implied agreement would be to compensate me for any court costs and attorney fees that I would owe should I have to take this matter to court.
You should then sign the letter and include the reference number or account number for the debt, so Global Collection can look up the debt accordingly.
Talk to a Lawyer Today
You should consult with an FDCPA attorney regarding the dispute with Global Collection today.
An attorney can help you write a dispute letter and send it to Global Collection if you believe they are pursuing a debt that you don’t owe them. Remember, time to request validation of the debt is limited, so don’t wait past the deadline to request these details from Global Collection.
If you don’t act, Global Collection will continue to pursue this debt and it will continue to leave a negative mark on your credit report. The FDCPA was enacted to protect your rights, so make sure you take advantage of it and get the debt in question validated. Get your free case evaluation from an FDCPA lawyer in your area today.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal device. If you file a claim against Global Collection or any other third-party collection agency, you may not be entitled to any compensation.