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Sample Letters

Debt Collection Dispute Followup Letter

Debt Collection dispute follow-up letter is what you send to the creditor/collection agency, when the creditor/ agency does not contact you with the required proof to validate your debt.



Dear Sir,

This is in response to your communication of (insert the date of receipt of letter or fax), a copy of which is enclosed along with a copy of the (certified mail or fax receipt).On (insert date) I sent you a letter requesting validation of the above account and (mailed or faxed) it on (insert date).

Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit.

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission.

Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of $1000 per violation, as well as my attorney fees and court costs as damages.

In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. I understand that due to the high volume of communications you receive, my previous communication may have been misplaced or not yet reviewed due to an oversight. However, I am sure you wish to resolve this matter as quickly as possible and avoid any unnecessary complications.Should you fail to respond to this letter within 15 business days, I will not hesitate to report these violations my State's Attorney General, the Federal Trade Commission, and file a complaint with the Better Business Bureau.


Your Signature___________________________

Your Name______________________________

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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.