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Dispute Letter By Collection Agency
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Sample Dispute Letter to Medicredit*

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Before September 20, 1977, consumers had few legal strategies available to defend against the aggressive techniques implemented by debt collection agencies.

Enacted by the United States Congress, the Fair Debt Collection Practices Act (FDCPA) turned the legal tables on unethical third party debt collectors by adding several consumer protection provisions to standing United States law.

One of the provisions allows you to dispute a debt collection claim made by a bill collectors such as Medicredit. Under the FDCPA, you have 30 days after receiving a notice from Medicredit to dispute the alleged outstanding credit card or personal loan account.

The dispute letter that you send a third party debt collector includes several types of information, with the most important information requesting Medicredit demonstrate proof the debt is valid.

Work with a FDCPA Lawyer to Draft Your Dispute Letter

Granting the consumers the right to dispute a delinquent debt is just one protection offered by the ground breaking FDCPA. Under the federal law, debt collection agencies like Medicredit must present identification information for the caller and the company the caller represents.

The FDCPA also forbids third party debt collectors from making threats or using abusive language to intimidate consumers into paying off credit card and personal loan accounts. Bill collectors must also abide by a FDCPA provision that prevents phone calls made to consumers between 9pm and 8am.

The dispute provision of the FDCPA is an especially valuable tool for consumers to use against debt collection agencies. However, you should work with a licensed consumer protection lawyer to ensure the letter you send to Medicredit contains clear legal language that requests the third party debt collector show evidence the debt in question is valid.

Some unscrupulous debt collection agencies rely mostly on aggressive tactics in attempts to collect consumer debts that do not exist. Your FDCPA attorney will draft a persuasive dispute letter that does not include emotionally charged language that further motivates a bill collector to come after you.

Sample Dispute Letter to Medicredit*

Actual Sample Letter for Medicredit

Although there is not one template used to craft effective consumer debt dispute letters, you can expect your lawyer to write a letter that contains the following legal language.

To whom it may concern,

Your agency contacted me on November 18, 2018 to discuss an alleged outstanding personal loan. After consulting with my attorney, we both agree the personal loan you attribute to me is actually a debt owed by someone else. Therefore, I am sending this letter to dispute the validity of the debt, as well as your claim that I must pay your debt collection agency to settle this legal matter.,

I request you respond to this dispute letter by sending me proof of the alleged debt, including the amount owed and the complete contact information for the original creditor. In addition, I want you to present evidence that I am responsible for the debt in question, as well as documentation that proves you have a license to collect consumer debts in the state where I reside.

By complying with the time limit mandated by the Fair Debt Collection Practices Act, you must stop contacting me in any form until your company can prove I owe the alleged debt. Any form of contact in violation of the FDCPA will result in legal action initiated by my attorney.


Your Name


Speak with an experienced consumer protection lawyer to learn more about the rights granted to you by the landmark federal law called the FDCPA.

Additional Resources

*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 Medicredit or any other third-party collection agency, you may not be entitled to any compensation.

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