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Sample Dispute Letter To Monarch Recovery Management, Inc.*

Stop The Harassment

You have legal rights. We can help.


Although it appears otherwise, having to deal with a debt collection agency is not one of life’s most traumatic events.

Far too many consumers do not know they have specific rights when it comes to the debt collection process.

If you have received a letter or a phone call from a third party debt collector like Monarch Recovery Management, Inc. you should know that a 1977federal consumer protection law grants you the right to dispute the validity of the debt in question.

Regarded as the most powerful consumer protection law, the Fair Debt Collection Practices Act (FDCPA) allows you to question a debt by sending a bill collector what is called a dispute letter.

A properly written debt dispute letter can end the debt collection process, if the bill collector hounding you cannot prove the existence of the debt, as well as demonstrate the amount owed on
the credit card or personal loan account is accurate.

In addition, the FDCPA forbids companies from using overly aggressive debt collection tactics in the pursuit of outstanding consumer debts.

Legal Guidelines for Sending a Debt Dispute Letter

The FDCPA does much more than simply give you the right to dispute an alleged debt.

It also clearly defines the timeline to send a debt dispute letter.

The day you receive a letter or a phone call from a debt collection agency, the company has five days to send a debt conformation letter that should describe the alleged debt in its entirety.

You should learn the name and contact information of the original creditor, as well as the amount of money you owe on the delinquent credit card or personal loan account.

If you are not satisfied with the information presented in a debt confirmation letter, then you have 30 days to send a debt dispute letter that asks a third party debt collector to send additional information proving the validity of an alleged debt.

Sample Dispute Letter To Monarch Recovery Management,Inc.*

Actual Debt Dispute Letter

When you Google “Debt Dispute Letter,” you will see dozens of websites that provide
consumers with templates on how to write a compelling letter.

Here is one example that works well for consumers that want to send a persuasive debt dispute letter:

Your company contacted me phone on April 29, 2020 regarding an alleged debt I owe to Best Buy.

After consulting with my FDCPA lawyer, I request additional information to prove the validity of the debt in question.

My attorney has advised me to ask for the following additional information:

  • The amount of the debt
  • Why extra interest was added to the debt after your company took over collecting the debt
  • Documentation that breaks down my account activity
  • Evidence your company has the legal right to collect consumer debts in the state where I live

If you don nor provide me with the information requested in this debt dispute letter, then according to the FDCPA, you must stop contacting me by phone or through the mail.


Your name

Drafting a convincing debt dispute letter requires the help of an objective FDCPA lawyer who will leave emotion out of the written correspondence.

Make sure you send a persuasive debt dispute letter by scheduling a free initial consultation with an experienced consumer protection attorney who specializes in handling FDCPA cases.

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 Monarch Recovery Management, Inc. or any other third-party collection agency, you may not be entitled to any compensation.