How do I dispute a debt in writing?

If you are a Texas resident and are seeking to dispute a debt in writing, there are several steps you should take. First, it is important to verify the validity of the debt. Obtain the documents of the debt and confirm that the debt is truly yours. Next, write a letter to the creditor and dispute the debt. In the letter, state that you believe the debt is not valid or accurate. Include the debt amount, the account number, and the dates the debt originated. Along with the letter, include copies of any documentation you have proving that the debt is inaccurate. This may include canceled checks, payment history or other documents. It is important to keep your own originals of these documents. Lastly, send the dispute letter with all supporting documentation to the creditor. Send the letter via certified mail with return receipt requested. It is important to keep a copy of the letter, all documentation, and the return receipt for your records. The creditor may respond to the dispute by acknowledging the dispute and agreeing to investigate the debt. They may also provide more information regarding the debt. If the debt is invalid, the creditor will remove the debt from your credit report and stop collection efforts. If the debt is not invalid, the creditor may continue collection efforts. It is important to understand your rights in this situation. Understanding and utilizing the collection defense law in Texas is essential for protecting your rights as a consumer.

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How do I dispute a debt in writing?

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