How to Dispute a Debt Collector

What kinds of debt collection issues should I document?

Common ones include:

• A debt that isn't yours, or has already been paid.
• An amount that doesn't add up.
• Calls at all hours, or threatening behavior.
• Nothing showing the debt is valid.
• The same debt sold on and chased again.

What is debt validation, and why does it matter?

You can ask a collector in writing to show that the debt is real, is yours, and is the amount claimed. Record the day you asked and what came back — documenting your request and their response is what keeps it straight.

What should I document?

• Every collection notice and letter, with its date.
• All letters you send, including your dispute and validation request (keep dated copies).
• Every phone call: date, time, who called, and what was said.
• Any threats, or contact after you've asked them to stop.
• A record of any payments already made on the debt.

Why log every phone call?

Because how collectors behave on calls matters — and calls leave no record unless you make one. Note the date, time, who called, and what was said, including any threats, promises, or contact outside allowed hours. There are rules about how collectors may behave, and your dated log is the evidence if those rules are broken.

How do I dispute the debt in writing?

Send a written letter disputing the debt and requesting validation, by the deadline stated on your notice. Keep a dated copy of what you send, and a record of how and when it went, such as a mailing receipt or the sent email. Write down every reply and what it says.

When should I start documenting?

From the very first contact. A dated record of every notice and call is what you can point to if the debt is wrong, or if the collector breaks the rules. The sooner you start, the stronger your position.

Frequently asked questions