CFPB provides debt collection sample letters
Customizable forms encourage public to stand up for their rights
If you've been called by a debt collector and aren't sure what to
do, the U.S. Consumer Financial Protection Bureau has provided five sample
letters to help defend yourself against deceptive or abusive debt collection
Use these outlines to get
information and documentation on a debt, dispute a supposed debt, restrict calls or to stop all contact.The letters are part of a larger effort by the agency to stem abuses of the public by the debt collection industry.
This is not my debt. This is to dispute a debt that
you don't believe is yours, or is still owed.
How to contact me. Use this to tell collectors how
they should and should not communicate with you.
Talk only to my lawyer. This letter informs
collectors that you have legal representation, and tells them how to contact
Stop contacting me. This tells a collector not to contact
you again about a certain debt and to mark it as "disputed" if they
send the account to another collector or report it to a credit bureau.
"These letters may help consumers obtain valuable information about
claims being made against them or may help consumers protect themselves
from inappropriate or unwanted collection activities," the bureau said in a July 10, 2013, statement accompanying the letters' release.
See related: CFPB opens door to debt collection complaints
Published: July 10, 2013