DISPUTE LETTER to debt collector: here's exactly what you should say in 2024

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📫 Get five sample letters, detailed instructions, and almost an hour of attorney instruction on how to use dispute letters to crush debt collection:
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You want to send a dispute letter to a debt collector but don't know what to say? Need to know EXACTLY what needs to go in the letter? This video shows you WHERE to download a legitimate free form and exactly how to change it to match your unique facts so your dispute has maximum power.

🔧 Want help fighting off bogus debt collection or harassment from junk debt buyers? Call us at 352-567-3173 for a FREE 30-minute appointment with one of our lawyers (MENTION THIS "Free dispute letter" video!) to find out how we can help you.

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🔎 Check out the CFPB website and form:
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What you'll find inside:
0:00 What to say in a dispute letter to a debt collector
0:32 Responding to a letter or phone call from a debt collector
0:58 The two most common disputes
2:00 Why most form letters don’t work
2:42 Where to find the free form
3:48 Instructions for using the dispute letter template
4:26 One this you must ALWAYS do when sending a dispute letter
4:39 Changes you MUST make for the letter to be effective
5:31 Add the missing piece the form leaves out
6:10 One thing you should NEVER do when sending the letter
6:22 How to dispute an incorrect AMOUNT of debt
7:17 What happens AFTER you send the dispute letter
7:31 Your next step and how to get questions answered

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#DisputeLetter #debtcollection #debtcollectors

[RickJZ]

Can't thank you enough for your outstanding channel and insightful presentations. Your wealth of knowledge is sincerely appreciated. It's a tremendous blessing to people how you set aside time to educate on the process of navigating debt collection.

[mattlopez]

Your energy is contagious! Thank you again for much useful information. God bless you.

[gabbygoody]

You are awesome, I followed your video and did my dispute letters and had 4 items taken off my credit the creditors wrote me back and told me they were deleting the accounts.🎉🎉🎉

[MookieLoo]

There are so many channels on here claiming to help with credit repair and some say don't send a letter to the collector and some say do send one. I made the mistake of sending one to Convergent Outsourcing, didn't even send it "return receipt" and of course I haven't heard back and it's still on my reports....I subscribed to your channel hoping to learn better :)

[maulinpatel]

My letter is from a place where I never took my grandmother to the place that it states in the letter which is far from me and the place I took her to is paid off and we used the financial assistance from Sentra to help us with the bills. So the bills we got were 30 dollars every month for six months, the amount on the letter is ten times more that what we paid in the month. So thank you for this I wanted to write a good letter thanks for the help.

[expressomixed]

OMG..I'M SO GLAD I FOUND YOUR CHANNEL AS I JOURNEY THROUGH REPAIRING MY CREDIT!!! THANK YOU

[Raysinterestingsight]

I received additional charges for moving expenses, so I put a dispute through my bank because I used our bank credit card to pay moving expenses. The bank investigated these charges, and I received notification that I 6:51 did not need to pay. Dispute was closed. Now I am getting collection notices from a collection agency for the disputed amount and wants us to pay.

[jacquelinemanzano]

I have noticed that consumers do not realize just how important their signature really is when dealing with the enemy/Credit Bureaus. I always type my name and I never use an ink pen when I communicate with these entities.

[jcantu-xyjo]

My debt was apparently sold to a third party. How should or should I even make a dispute letter to that new debt collector? This video was super helpful too brother.

[HeyLauraVan]

Thanks for the video! I'm curious as to why you don't want people to sign their name on the dispute letter.

[tokkn-hjxg]

I was fighting a lawsuit against a junk debt buyer, The plaintiff asked the judge to dismiss the case without prejudice because his client didn't have a sworn affidavit. What are the chances of them refiling? I was ready to go to trial,

[pattyyy]

Is it valid to dispute based on finances? If you can’t fully pay the amount, can you lower it? and is it fine to send a dispute letter electronically? and if they never sent proof of debt, should you validate it first?

[childofthemosthighGodLove]

What abt a Morgage being bought? My moms (70's) bank, Bank of America sold out to Ameris, who hired Specialized Loan Servicing. I JUST read on the back of her "statement" THIS IS A DEBT COLLECTOR". I HAD NO IDEA. Im just starting to start taking over/her affairs.

[daniellovecchio]

Virginia charges personal property tax on your personal vehicle, long story short, the Virginia DMV still mails me an annual tax assessment bill the last two years to me in New York. I haven't lived in Virginia since 2021. Now it's in "collection". The DMV will probably just tell me it's in collection and the collection company will have to eat it?

[Ros_always]

I want to dispute because the collection agency is wrong stating I opened account in January of this year when the original creditor say open the account in October 2021.

[criticalthinker]

I The problem my lady and I are having is we were paying creditors but they didnt update the amount. The amount they say we owe hasnt been updated to refelct what we've payed.

[lisad]

I just received a letter from a debt collector for questionable fees to an apartment complex where I was guarantor for my daughter. I never received any correspondence for outstanding fees from the apartment complex when she moved. We did a thorough clean of the apartment according to their requirements and also paid to have the carpet cleaned and provided the apartment complex with a copy of that receipt. We also understood that we may not get our deposit back because the kitchen cabinets would need to be painted. Other than that, there should have been no issues or outstanding fees after the keys were turned in. Should I still submit a request for validation to the debt collector? Should I request a detailed list of the outstanding fee from the apartment complex? Should I ask why they didn't contact me directly prior to contacting a debt collector? What is my next step?

[SonicBoomC]

What if you don't think they have the right to collect?

[primetimepropertysolutions]

@Ricardo&WasylikPL Thank You for this Valuable Information!

[amanda]

I just found your channel today and I'm so glad I did! In this video, you say to type in your name instead of actually signing it and I want to ask, why is that? What would be the difference?