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How-to · Consumer help

Reply to a debt collector with sample letters

The CFPB offers sample letters to dispute a debt, ask for details or limit contact; send one soon and keep a copy.

Steps

5 steps
  1. Find out about the debtCollectors must give the creditor's name, the amount owed and how to dispute it, at first contact or within five days.
  2. Pick the sample letter that fitsLetters cover: you do not owe it, you need information, stop contacting me, contact my lawyer only, or how to reach me.
  3. Send it soon and keep copiesIn some situations you have only 30 days after first contact to ask for certain information.
  4. Add proof if it is not your debtIf it is not your debt or you already paid it, documentation can help your dispute.
  5. Complain to the CFPB about debt collectionYou can submit a complaint with the CFPB if you are having an issue with debt collection.

Bring

  • Copies of letters you send
  • Proof you paid or it is not your debt
The sample letters are not legal advice.

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