When debt collectors are continually contacting you about some debt that you do not actually owe them, sending them a formal written letter to dispute the debt and to tell them to stop contacting you will be important. Below is a sample letter that you can use to permanently stop debt collectors from calling you and sending you letters about some debt that has been fraudulently accumulated under your name. The bracketed areas indicate where you should fill in your personal info.
Once you send this letter with the appropriate supporting documentation, make sure you retain a copy of everything sent for your records.
Sample Letter to Stop Debt Collectors…
[Your complete address]
[Name of the deb collections company]
[Complete company address]
Re: [The account number associated with the debt]
Dear Sir or Madam:
The debt in question is not mine. I am a victim of identity theft. An identity thief opened up this account using my personal information without my permission and accrued the debt you have been contacting me about. Enclosed is proof of my identity and a copy of my Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am requesting that you to stop collection proceedings against me and stop contacting me about this debt. I also request that you notify [the original creditor] to inform them that this debt is the result of identity theft.
[Here, you can explain some details. If you choose to do this, be sure to note the dates and amounts of fraudulent transactions.]
Please reply to this letter, explaining what actions have been taken to:
- Inform [the creditor] that the debt is the result of identity theft
- Stop collection proceedings against me
- Stop reporting information about the debt to credit reporting companies
Thank you for your cooperation.
Colorado Bankruptcy Lawyers at the Law Office of Jon B. Clarke, P.C.
If you need help to stop debt collectors from taking action against you when the debt in question is really yours, you can get the help you need by contacting the trusted Colorado debt relief and bankruptcy lawyers at the Law Office of Jon B. Clarke, P.C.
For more than 35 years, Mr. Clarke and his diligent support staff have been successfully helping our clients resolve even the most complex bankruptcy cases for both individuals and businesses alike. Our experienced legal professionals are committed to providing each of our clients with the personalized debt relief assistance they need, and we will work tirelessly to ensure that our clients’ cases are resolved as favorably and efficiently as possible.
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For a thorough assessment of your situation, along with expert advice regarding the best manner in which to move forward to unburden yourself from debt, call us at (866) 916-3950 or email us using the contact form on this page.
From our offices based in Denver, we provide people throughout Colorado with the highest quality debt relief legal services.