If Leikin Ingber Winters is trying to collect a debt from you that you don’t believe you owe, you should use the rights provided to you through the Fair Debt Collection Practices Act (FDCPA). The FDCPA was enacted by Congress to serve as a guide for both the consumer and the debt collector during the debt collection process. The FDCPA allows you to dispute a debt and ask for validation or verification of it. When you make your written request, Leikin Ingber Winters is required to cease collections until you have been provided with the documents you requested. You can ask for a copy of the original debt agreement, the total amount of the debt, and proof that you owe the debt.
Drafting Your Letter to Leikin Ingber Winters
If you don’t believe you owe the debt that Leikin Ingber Winters is trying to collect from you, you should consult with an FDCPA attorney who practices in your area. Your lawyer will gather supporting documentation on your behalf and will send that documentation with a well-written dispute letter to request validation from Leikin Ingber Winters. The letter will adhere to FDCPA guidelines and will request specific documents, so the debt can be validated. From the time you are notified of the debt, you have 30 days to request validation or to dispute it. The laws don’t specify how long the collection agency has to respond, but you can specify a timeframe in your letter. You might want to say that they must respond to your request within 30 days. That way, if they don’t respond within the 30 days, the debt hasn’t been validated and the collection process must permanently cease.
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Actual Sample Letter
I ask Leikin Ingber Winters to provide me with information regarding the debt that they are attempting to collect from me, including validation of this debt. This request is being made based on the rights provided to me by the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809(b). I am demanding proof that shows I am responsible for the debt in question, the name of the original creditor, a copy of the agreement you have with the creditor that authorizes you to collect this debt, proof of the amount owed on this debt, the original credit agreement, if there is a judgment any applicable details, the payment history on this debt, proof of the amount of the last payment and when this payment was made, and evidence that shows the Statute of Limitations for collecting this debt has not yet expired. I also request a copy of Leikin Ingber Winters’ license to collect debts in my state of residence.
If Leikin Ingber Winters fails to provide me with the information that I have requested, or if they fail to validate my debt within 30 days of the receipt of this letter, all references to this specific debt must be deleted. It must be removed from my credit history and collection activity must stop. Failure for a timely response to my request will indicate that you are making an implied agreement to reimburse me for any legal fees, such as attorney’s fees and court costs, that I would incur should I choose to proceed to court with this matter. Be sure to include the reference number or account number for this specific debt, so Leikin Ingber Winters can look the account up more easily. You should sign the letter at the conclusion.
Talk to an Attorney Today
If Leikin Ingber Williams is attempting to collect a debt from you that you don’t think you owe, you should schedule a consultation with an FDCPA attorney who is licensed to practice law in your state. You only have 30 days from the date of being notified about the debt to request validation or to dispute it. Be sure to follow up in a timely manner. Otherwise, you might be left with a debt that you weren’t responsible for on your credit record and continuing collection attempts. The FDCPA was enacted to help consumers like you when you are facing unethical debt collection tactics, so talk with a lawyer today.
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*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 Leikin Ingber Winters or any other third-party collection agency, you may not be entitled to any compensation.