What happens if I dispute a debt with the debt collector?

If you dispute a debt with a debt collector in North Carolina, you can file a “dispute letter” with the collector. The dispute letter should include your name, address, the amount of the debt, and the reasons you are disputing the debt. The collector must then cease attempts to collect the debt until they can verify that the debt is valid. If the debt collector has not been able to verify the debt within 30 days of receipt of the dispute letter, the collector must cease all attempts to collect the debt and provide you with written verification that the debt is no longer being pursued. However, the debt collector may again attempt to collect the debt if it can provide you with written verification of the debt within sixty days. If the debt collector has not been able to verify the debt within 60 days of receipt of the dispute letter, the debt collector must cease all attempts to collect the debt and delete the debt from your credit report. In either case, it is important to keep a copy of the dispute letter and any response letters or documents from the debt collector, as this can be used as proof of your dispute if the debt collector attempts to take further action.

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What happens if I dispute a debt with the debt collector?

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