It is common for my clients or readers to think of how to dispute a debt. The initial thing I like to explain is what dispute actually means. Once you have an understanding of the meaning of dispute, you will begin to see how most people who are in credit card debt should dispute their debt. In a nutshell, dispute means to debate, disagree with, or argue something.
If you are wondering how to dispute debt efficiently, you must realize it will take more than a phone call to your creditor or debt collector. Disputing debt is a legal process, thus requiring specific steps to get the best results. I have helped clients through these steps so many times that I know them like the back of my hand. Many of my clients end up with complete freedom from debt, or debt settlement offers for extremely non-expensive amounts. If you want these results in your credit situation, you need to keep reading.
Like I mentioned in the previous paragraph, some customers opt to dispute their debt by a phone call to their credit or debt collector. These phone calls do nothing to protect you and do nothing to strengthen your argument in case the debt collector or creditor decides to sue you. You give the creditor or debt collector an easy way out because they can deny that you disputed the debt due to the fact that there is no written record of the dispute. Most importantly, the creditor or debt collector will treat you the exact same way they did before, poorly.
I have often seen advice given to consumers that they should send debt verification letters to their creditors or debt collectors. This advice is flawed because a debt verification letter requires only a name and an address to be verified on an account. Any creditor or debt collector could go on the Internet, if they didn’t already have the consumer’s name and address, and find all the information they need in a matter of seconds. Because of this, debt verification letters do little or even nothing to help the situation of a consumer.
Debt verification letters also do not offer any legal protection. They do not demand the creditor or debt collector to validate your account. They do not stop the harassment that is so prevalent in the debt collection industry. For all of these reasons, I feel strongly that debt verification letters are not the answer when learning how to dispute a debt.
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I am now gong to share with you the most effective way to dispute a debt. The process that will get you the most results is the process of sending debt validation letters. Debt validation is so powerful because federal law backs it. The FDCPA or Fair Debt Collection Practices Act sets forth terms and conditions that must be met by any creditor or debt collector once a request for validation is made. Thus, debt validation letters offer much more protection and help compared to debt verification letters.
The reason for debt validation letters is to eliminate wrongful collection from debt collectors. By sending a well-written debt validation letter, you force your debt collector to provide complete and validating information on your account. The fact of the matter is that most debt collectors do not have the proper information to completely validate their collection attempts on your account. Until this validation is made, the debt collector cannot continue to attempt collection on your account.
Now that you know more about how to dispute a debt, I would suggest taking a mini course online to learn more about debt validation letters. The knowledge you can gain by doing this will be extremely valuable to help you get through your debt dispute and validation process.
looking to discover more on how to dispute a debt, then visit Alan Henry’s website on how to choose the perfect debt dispute for your credit solutions.