How to Dispute Your Debt with a Debt Collector

You’re contacted by a debt collector. You don’t agree that you owe that much — or anything at all! What to do next to save your credit from crashing?

Send the debt collector a letter disputing it within 30 days of the debt collector’s initial contact with you. After the debt collector receives your letter of dispute letter, he must either provide you with written proof of the debt or cease all communications with you.


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