Sample Debt Dispute Letter

Bankruptcy Attorney Dayton, Oh

Name of Debt Collector
Street Address
City, State Zip

[insert the date of the letter]

Your Full Name
Your Street
Your City, State Zip

Re: [insert your account  number]

To whom it may concern,

I am writing to you today to dispute the debt you attempted to collect from me on [insert date of call] and to request you validate the debt is legitimate, as well as who you are and what company you are alleging to represent in this collection  matter.

I would also like to request that you notify the credit reporting agencies of this debt dispute and validation request if you have already reported this debt as collectible.

Let this letter serve as my written request for you to validate the debt in question within the 30-day period. I am requesting that you cease collection of the debt, or any disputed portion thereof, until you can verify the debt and provide me, by first class mail, the following materials:

  • All documents, including electronic records or images, which bear my signature and which concern the debt being collected;
  • A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law;
  • The name and address of the original creditor, if different from the collecting creditor; and
  • A copy of any judgment against me.


[ sign Your Name here]

*If you are still having trouble with a debt collector or are in need of help fighting off a debt collection lawsuit, contact a Springfield bankruptcy lawyer today. They can put a halt to lawsuits, collections, and any other attempts to gain funds from you to resolve a debt.

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