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It states that the recipient does not owe the money and requests verification under the Fair Debt Collection Practices Act. It instructs the agency not to report the dispute to credit reporting agencies and, if already reported, to notify them to delete inaccurate information under the Fair Credit Reporting Act. 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The information and forms were created to assist readers with general issues and not specific situations, and, as such, does not replace the legal advice or representation of an attorney. Because of this and because of unanticipated changes in the law, the Rural Law Center of New York (RLC) makes no claim that this information will achieve the results you desire. Also, the RLC disclaims any responsibility for actions taken based on this material. If you are seeking advice about a specific legal issue, you should contact an attorney licensed to practice in New York State.  \nYou may contact the Rural Law Center of New York, Inc. as follows:  \nBY MAIL: 22 U.S. Oval, Suite 101, Plattsburgh, New York 12903 PHONE: (518) 561-5460  \nFAX: (518) 561-5468  \n[OR VISIT OUR WEBSITE: www.rurallawcenter.org](OR VISIT OUR WEBSITE: www.rurallawcenter.org)[ ](OR VISIT OUR WEBSITE: www.rurallawcenter.org)© Rural Law Center of New York, Inc.  \nSAMPLE LETTER TO COLLECTION AGENCY  \nDISPUTING DEBT  \nThe following page is a sample of a letter that you can send to a collection agency if you think you do not owe the money they are trying to collect.  \nBe sure to keep a copy of your letter and always send a letter like this “Certified with a Return Receipt”. If you need help with the mailing, just ask at any post office.  \nRural Law Center of New York, Inc. HOW TO DISPUTE A DEBT Page 2  \nYour Name and Address Here  \nDate  \nCERTIFIED MAIL, RETURN RECEIPT  \nREQUESTED NO.    \nCollection Agency’s Name and Address RE: Account Number  \nDear Sir/Madam:  \nI am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.  \nI am disputing this debt because I do not owe it.  \nBecause I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.  \nFinally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.  \n§1692(c).  \nThank you for your attention to this matter.  \nSincerely,  \nJane Doe  \nPO Box 000 Sometown NY 10000  \nRural Law Center of New York, Inc. HOW TO DISPUTE A DEBT Page 3","cbCaiokKPVmaK19D","https://ap.wps.com/l/cbCaiokKPVmaK19D","pdf",179685,"English","# Sample Letter to Collection Agency Disputing Debt\n## Certified Mail Instructions\n## Debt Dispute Notice and Credit Reporting Requests\n## Request to Stop Further Calls or Letters","[{\"question\":\"What should the letter tell the collection agency about the debt?\",\"answer\":\"It should clearly state that the writer is disputing the debt and that the writer does not owe the money the agency is trying to collect.\"},{\"question\":\"What verification and reporting actions does the letter request?\",\"answer\":\"It requests that the agency verify the debt under the Fair Debt Collection Practices Act and not report the disputed debt to credit reporting agencies; if already reported, it asks for contact with the credit agencies to delete it.\"},{\"question\":\"How does the letter limit further communication from the agency?\",\"answer\":\"It asks the agency to stop further telephone calls or letters about the disputed debt, referencing the Fair Debt Collection Practices Act requirement to respect that request.\"}]","How to Dispute a Debt - Sample Letter | PDF",1789512590]