What are the elements of a valid debt collection dispute?

A valid debt collection dispute requires certain elements. In the state of Washington, the consumer has the right to dispute a debt that they feel is either inaccurate, has been settled, or is not actually owed. The consumer must be able to provide supporting documentation for the dispute and must make the dispute in writing. This written dispute, which is called a debt dispute letter, must include the consumer’s full name, current address, and any other identifying information. It must also include the names of all interested parties, such as the collector and the original creditor, as well as the account number. The dispute must also state why the consumer does not believe that the debt is owed, and it should include any proof that the consumer has of their claim. Examples of proof may include a copy of a paid bill or evidence that the debt was settled. The consumer must also send this debt dispute letter to the collector and to the original creditor. It is important to note that a debt dispute must be made within a certain amount of time in order to be considered valid, so be sure to check the laws in Washington. Finally, the consumer must keep a copy of the dispute letter along with any other documents that relate to the debt. These documents will help the consumer prove their dispute if the collector or creditor continues to pursue the debt.

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What are the elements of a valid debt collection dispute?

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