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Dispute Letter By Collection Agency
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Sample Dispute Letter to Prince Parker & Associates*

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Phone calls from a debt collection agency flood your home at first. You disregard the calls by sending each one to the message center. A few days pass and it appears you diligent tactics of avoidance have worked, since the phone calls from a third party debt collector have stopped.

Then, you arrive home one day to find a letter in the mailbox from a bill collector such as Prince Parker & Associates.

Instead of panicking, you should dispute the validity of the alleged outstanding credit card or personal loan debt. By law, you have 30 days from the day you received the initial letter from a debt collection agency to contest an outstanding debt.

After receiving a dispute letter, the third party debt collector must cease all collection activities until the company can demonstrate proof the debt exists. Unscrupulous bill collectors try to trick consumer into paying off debts they are not legally obligated to pay off.

Get Legal Help Writing the Dispute Letter

When you receive a letter from Prince Parker & Associates, you should seek the legal support of a licensed consumer protection lawyer to help you craft the letter. Your lawyer will know what exactly to include in the letter to ensure the letter carries with it the legal backing of the powerful consumer protection law called the Fair Debt Collection Practices Act (FDCPA).

The FDCPA grants you the right to dispute any alleged delinquent consumer debt. However, an experienced lawyer will make sure Prince Parker & Associates complies with the dispute letter request to stop contacting you until the matter is resolved.

Keep every record of correspondence with a third party debt collector to give your lawyer the evidence he or she needs to prove violations of the FDCPA.

The landmark federal law also comes with several other legal protections such as preventing debt collection agencies from calling consumers after 9pm and before 8am, as well as prohibiting the use of abusive language to intimidate consumers into resolving outstanding credit card and personal loan balances.

You also have the legal right to claim the statute of limitations has expired for the filing of a lawsuit by a debt collection agency.

Sample Dispute Letter to Prince Parker & Associates*

What to Include in a Letter Sent to Prince Parker & Associates

Your lawyer will make sure the dispute letter sent to Prince Parker & Associates contains all the important personal information you need to include in the letter. The name of the debt collection agency and contact information for the agency should be listed under your personal information.

By adding an account number, you provide the third party debt collector with the information required to access your credit card or personal loan information quickly. The dispute letter will request Prince Parker & Associates to provide documentation that confirms the existence of the debt.

By invoking the right granted to you by the FDCPA and following the advice offered by your experienced consumer protection lawyer, the debt collection agency will realize you are serious about receiving documentation displaying the name of the original creditor and the amount owed on the alleged debt.

You might have a legitimate dispute claim even if you think you owe at least some of the money on a contested outstanding credit card or personal loan account. The only way to know for sure is to speak with an accomplished consumer protection lawyer to ensure you receive all of the protections granted by 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 Prince Parker & Associates or any other third-party collection agency, you may not be entitled to any compensation.

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