[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-280427-105":3,"detail-sidebar-cat-1-en-105":81,"doc-detail-280427-en":127},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","letter-to-a-collector-about-an-incorrect-debt-sample-response-letter","Letter to a Collector about an Incorrect Debt - Sample Response Letter","","A response letter template for disputing an incorrect debt and instructing a debt collector to stop contacting the recipient. It explains that refusing further communication does not cancel the debt, while the collector may still pursue other legal or credit-reporting actions if they believe responsibility exists. The letter provides fill-in fields for contact details, account information, and dates, and requests documents supporting the collector’s claim.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/letters/","Letters",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/letter-to-a-collector-about-an-incorrect-debt-sample-response-letter/280427/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/letter-to-a-collector-about-an-incorrect-debt-sample-response-letter/280427.png","ImageObject",442,249,{"name":42,"@type":43},"Patrick","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-22","2026-09-16",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",13,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What does the letter request a debt collector to do?","Question",{"text":63,"@type":64},"The letter tells the debt collector to stop contacting you and all communication to the listed address while you dispute any obligation for the debt.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"Does sending this letter cancel the debt?",{"text":68,"@type":64},"Stopping contact does not cancel the debt. If the debt collector still believes you are responsible, they could pursue other actions.",{"name":70,"@type":61,"acceptedAnswer":71},"What should be included if you want the collector to provide proof?",{"text":72,"@type":64},"If you have good reason to believe you are responsible, the collector should mail documents supporting that belief. The letter also asks that any credit bureau reporting note the debt as disputed.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},280427,1790064717,{"code":4,"msg":82,"data":83},"success",[84,89,94,99,104,109,114,118,123],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":86,"show_sort_weight":87,"slug":88},11,"Presentations",90,"presentations",{"id":90,"doc_module":22,"doc_module_name":25,"category_name":91,"show_sort_weight":92,"slug":93},12,"Resumes",80,"resumes",{"id":95,"doc_module":22,"doc_module_name":25,"category_name":96,"show_sort_weight":97,"slug":98},14,"Invoices",70,"invoices",{"id":100,"doc_module":22,"doc_module_name":25,"category_name":101,"show_sort_weight":102,"slug":103},15,"Posters",60,"posters",{"id":105,"doc_module":22,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},16,"Social Media",50,"social-media",{"id":110,"doc_module":22,"doc_module_name":25,"category_name":111,"show_sort_weight":112,"slug":113},17,"Forms",40,"forms",{"id":115,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":116,"slug":117},18,30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},21,"Paper Templates",5,"papers-templates",{"id":124,"doc_module":22,"doc_module_name":25,"category_name":125,"show_sort_weight":4,"slug":126},158,"General","general-158",{"code":4,"msg":82,"data":128},{"doc_id":79,"user_id":129,"nickname":42,"user_avatar":130,"doc_module":22,"category_id":115,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":26,"language":136,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":12,"update_tm":140,"read_time":22},549758146520,"https://ap-avatar.wpscdn.com/avatar/80002397d8c0411e94?_k=1775819394049821470","Debt collector response sample letter  \nYou’re saying: “This is not my debt.”  \nUse the sample letter on the next page if you want to tell a debt collector that you aren’t responsible for this debt, and that you don’t want to be contacted again.  \nHow to use this sample letter:  \n1. Read the background below.  \n2. Fill in your information on the sample letter and edit it as needed to fit your situation.  \n3. Print and mail the letter. Keep a copy for your records. You should consider sending the letter by certified mail or another method by which you can establish when the letter is received by the intended recipient.  \nBackground  \nThis letter tells the debt collector to stop contacting you unless they can show evidence that you are responsible for this debt. Stopping contact does not cancel the debt. So, ifa debt collector still believes you really are responsible for the debt, they could still take other action. For example, you still might be sued or have the status of the debt reported to a credit bureau.  \nSample letter begins on the next page  \n[Your name]  \n[Your return address][Date]  \n[Debt collector name]  \n[Debt collector address]  \nRe: [Account number for the debt, if you have it]  \nDear [Debt collector name],  \nI am responding to your contact about collecting a debt. You contacted me by [phone/mail], on [date] and identified the debt as [any information they gave you about the debt] .  \nI do not have any responsibility for the debt you’re trying to collect.  \nIf you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau (or have already done so), also report that the debt is disputed.  \nThank you for your cooperation.  \nSincerely,  \n[Your name]","cbCaieFmALkCRZcX","https://ap.wps.com/l/cbCaieFmALkCRZcX","pdf",488067,"English","# Debt collector response letter\n## How to use the sample letter\n## Background and impact of disputing\n## Sample letter (fill-in template)","[{\"question\":\"What does the letter request a debt collector to do?\",\"answer\":\"The letter tells the debt collector to stop contacting you and all communication to the listed address while you dispute any obligation for the debt.\"},{\"question\":\"Does sending this letter cancel the debt?\",\"answer\":\"Stopping contact does not cancel the debt. If the debt collector still believes you are responsible, they could pursue other actions.\"},{\"question\":\"What should be included if you want the collector to provide proof?\",\"answer\":\"If you have good reason to believe you are responsible, the collector should mail documents supporting that belief. The letter also asks that any credit bureau reporting note the debt as disputed.\"}]","Letter to a Collector about an Incorrect Debt - Sample Response Letter | PDF",1789548035]