If you have a dispute over a creditor charge and you are not getting anywhere over the phone, you may need to send the creditor a dispute letter in writing. You have the right to dispute a charge in the Fair Debt Collection Act. Be sure to keep a record of all correspondence. You want to keep a paper trail of when you sent in your documentation just in case they want to give you a hard time about it.

Try To Resolve A Dispute Over The Phone First Before Legal Action

You should only send in a written dispute as a last resort. See if you can resolve the matter over the phone first with the creditor. If you do not get anywhere then you should send the creditor a written dispute over the charge.

Date: ______________________

__________________________________________________

__________________________________________________

__________________________________________________

To: ________________________

I am writing to dispute the following bill that you are attempting to collect from me.

Name(s) on account: ___________________________

Account #: ______________________________

Creditor name: _____________________________________

Amount of dispute: _____________________________

I am disputing this bill for the following circumstance(s):

_____________________________________________________________________________

_____________________________________________________________________________

Please return this bill to the creditor immediately and remove any “sent to collection agency” notations that may be in my credit profile.

Thank you for your prompt attention to this matter.

Sincerely,

________________________________________

Signature

Name: ____________________

Address: ____________________

____________________

Home phone#: ____________________

cc: Credit grantor, _____________________________

This information is of general interest only. Should you require legal advice seek the services of a professional or an attorney.