If you are being contacted by Natural Service Bureau about a past due debt, and you don’t think you owe this debt that is in question, you have rights.
The Fair Debt Collection Practices Act (FDCPA) was enacted by Congress to promote fairness in debt collecting. This allows you to ask for validation of a debt, including specific details about the debt being disputed and the original creditor’s name.
After receiving notification of your request for verification of the debt, National Service Bureau most stop all collection activity for that debt until they provide you with proper validation, proving that you are indeed responsible for the debt in question and proof of the amount of the debt.
Drafting Your Letter To Natural Service Bureau
You should consult with an FDCPA attorney who will be able to guide you through the process. Your lawyer will gather up the documentation and prepare the dispute letter to send to National Service Bureau. An attorney is experienced in writing such letters and is familiar with the laws that govern debt.
Your lawyer can efficiently and effectively handle this debt. Usually, you have only 30 days from the first notification of the debt to dispute it and ask for it to be validated. While the laws might not specify how long Natural Service Bureau has in order to respond, your letter can specify a time limit.
You should contact your FDCPA attorney, so you can ensure the letter is drafted in accordance with FDCPA laws.
Actual Sample Letter
I am asking Natural Service Bureau to provide me with the information I need to validate this alleged debt. I am making my request specifically based on the rights provided to me by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809(b).
I demand that the specific information be provided to me including the amount of the debt, the name of the original creditor, any judgment if applicable, the agreement you have with the creditor authorizing your collection of this debt, valid copies of the original credit agreement, documents showing the original debt amount and a history of all payments made, any interest charges, your license allowing you to collect debts in the state of my residence, and when the last payment was made toward this account. I also request proof that the Statute of Limitations for collecting this debt hasn’t expired.
If Natural Service Bureau doesn’t reply to my letter with the proper information within 30 days of receipt, all references regarding this specific debt must be deleted from my credit history. Any future attempts to collect this specific debt must stop. If you fail to comply with this request for debt validation, I will consider it to be a waiver of claims to enforce this debt against me.
Your implied agreement would be for you to compensate me for any legal fees, including court costs and attorney fees, that I would owe should I have to advance this matter to court. You should then sign your letter and include the account or reference number for the debt, so Natural Service Bureau can look it up more easily.
Talk to an Attorney Today
If you are having a dispute with Natural Service Bureau regarding a debt, you should consult with an FDCPA attorney today. A lawyer will help you write a dispute letter and send it to Natural Service Bureau if you think you don’t owe the debt that they are pursuing.
Remember, you have a limited timeframe to dispute the validation of the debt, so don’t wait too long to ask for the debt to be validated, or otherwise, it might stick around. If you don’t act right away, Natural Service Bureau will continue with collection attempts and the negative mark on your credit file will haunt you.
The FDCPA was enacted to protect the rights of consumers just like you, so make sure you take advantage of the rights available to you and ask for validation of any debt that you don’t believe you owe. Get your free case review from an FDCPA attorney 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 Natural Service Bureau or any other third-party collection agency, you may not be entitled to any compensation.