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Dispute Letter By Collection Agency
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Sample Dispute Letter to SRS and Associates Inc.*

Stop the

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It is one of the most upsetting phone calls we receive. A debt collection agency calls during dinner to inform you the bill collector wants you to pay off an outstanding credit card or personal loan balance. You hang up the phone and begin to panic.

Instead of panic, you should contact a licensed consumer protection lawyer.

In September of 1977, the United States Congress enacted the Fair Debt Collection Practices Act (FDCPA). The FDCPA grants consumer many legal protections, including the right to contest delinquent debts.

Every dispute letter should invoke your right to notice of the debt, your right to dispute the debt, and your right to verify the debt. Within five days of the initial contact, SRS and Associates Inc. must send you a letter explaining the amount of the debt in question, as well the name of the original creditor.

Drafting a Dispute Letter Requires the Expertise of a FDCPA Lawyer

You can write a dispute letter to SRS and Associates Inc, but you run the risk of allowing emotionally charged language from watering down the message of the letter. Moreover, an experienced consumer protection lawyer ensures you meet every filing deadline for your FDCPA case.

You can also lean on your lawyer to go after a third party debt collector that violates one or more provisions of the groundbreaking FDCPA.

Under the consumer protection law, debt collection agencies are prohibited from implementing aggressive debt collection techniques, including using abusive language and issuing threats of filing a lawsuit against you. Third party debt collectors must also limit phone calls between 8am and 9pm.

Sample Dispute Letter to SRS and Associates Inc.*

Actual Dispute Letter for SRS and Associates Inc.

A dispute letter sent to SRS and Associates will follow a template created by your FDCPA lawyer. Your contact information, as well as the contact information for the bill collector, should appear at the top of the letter.

The date of the letter establishes a time stamp that starts the clock ticking towards several legal deadlines.

The heart of the dispute letter should include the following requests:

  • Amount of money owed on the debt in question
  • Name, address, and phone number of the original creditor
  • Information from a debt collection agency judgment filed in civil court
  • Documentation the debt collection agency has a license to collect debts
  • Evidence you are legally liable to pay off the alleged debt

The dispute letter sent to SRS and Associates Inc. should also cite Section 809(b) of the FDCPA, as well as inform the third party debt collector you plan to maintain accurate records of all forms of communication.

If a bill collector cannot validate an alleged debt, do not assume the credit blemish will automatically disappear from your credit report. About 90 days after you send a dispute letter to SRS and Associates Inc., order a free credit report from each of the big three credit reporting bureaus to ensure the invalid debt no longer appears in your credit history.

You cannot afford to allow a debt collection agency to bully you into paying an outstanding consumer debt you do not owe. Speak with an experienced consumer protection lawyer to enjoy every legal right 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 SRS and Associates Inc. or any other third-party collection agency, you may not be entitled to any compensation.

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