What are the elements of a valid debt collection dispute?

A valid debt collection dispute in New York involves four elements. First, the consumer must dispute the debt in writing within thirty days of the debt collector’s initial communication. This written dispute can be a letter or even an online form as long as it is addressed to the debt collector and clearly states the consumer’s dispute. Second, the consumer must include documentation to support their dispute. Depending on the type of debt in question, this documentation can range from a billing statement to account application information. Third, the debt collector must provide written validation of the debt if requested by the consumer. This written validation must include details such as the amount of debt, the date the debt was created, and the creditor’s name. Fourth, the debt collector must not threaten, harass, or otherwise intimidate the consumer while the dispute is ongoing. This includes making phone calls, sending letters, or contacting the consumer’s employer. By understanding these elements of a valid debt collection dispute, consumers can protect their rights and hold debt collectors accountable.

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What are the elements of a valid debt collection dispute?

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