[Your Name] [Street Address] [City, ST ZIP Code] December 6, 2008 [Recipient Name] [Title] [Company Name] [Street Address] [City, ST ZIP Code] Dear [Recipient Name], Re: [Creditor] - "[Account Number]" e.g. Chase Bank – “0000111000” I am writing in response to your letter/phone call on [Date] . I do not believe that I owe the debt you referred to. I am officially disputing this debt. As described in The Fair Debt Collection Practices Act, Section 809 -Validation of debts [15 USC 1692g], I am respectfully requesting that you provide me with the following information: 1. The exact amount that you say I owe 2. A full and clear explanation of how you calculated what you say is owed 3. Copies of all and any documents that prove that I agreed to pay what you say is owe 4. A verification or copy of any judgment you think is applicable to this debt 5. Identification of the original creditor including their contact details I request that you cease all communication with me until you have provided all of this information. If you do contact me about this debt in the meantime you will be in violation of the law. Finally, if you do not own this debt, I also request that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. Signed,
______________________________ [Your Name]
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