How do I dispute a debt in writing?

Disputing a debt in writing is an important step in the Collection Defense Law in Washington. To dispute a debt in writing, start by sending a letter to the debt collection agency. This letter should include your name, address, and account number. In the letter, explain why you are disputing the debt. Make sure to include any proof that proves the debt is not yours, such as a copy of a credit report or prior payments. Request that the debt collector validate the debt in writing, meaning they must prove that you legally owe the debt. Keep all records related to the debt, including any letters or emails you send and receive. If you do not receive a response within 30 days of mailing your letter, the debt may be considered invalid in Washington. Additionally, you can file a complaint with your state’s attorney general if a debt collector is harassing you or if the debt collector brags about techniques that violate the Collection Defense Law. If you decide to dispute a debt and believe the debt is invalid, you may want to talk to a legal advisor or consumer attorney who can advise you on the best next steps. Alternatively, you may want to reach out to the Washington Attorney General and ask for their advice.

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How do I dispute a debt in writing?

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