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if you're disputing a debt with a debt collector  what do you say what should go in the letter what   do you keep out today i'm going to show  you exactly what you need to put in your   letter to a debt collector to dispute a debt my  name is michael wassick i'm one of the lawyers   at ricardo and was like here in florida and  together with my partner jason ricardo i help   people just like you overcome debt collection  with dignity and today i'm going to tell you   how to write a letter disputing a debt with a  debt collector what that dispute letter needs to   look like what you need to put in it how to use  it and everything so let's dig in first of all   what you need to know is when you're writing a  dispute letter you're usually responding to some   kind of debt collection you're usually responding  to either a letter you've gotten from a debt   collector or possibly even a phone call and you  are putting on paper your reasons for disputing   the debt so first before you do anything you need  to figure out why am i disputing this debt what is   wrong that i think i need to challenge and there  are really two broad categories of things that   most people are looking to challenge one is not my  account either it's the wrong person or the wrong   lender maybe you've been a victim of identity  theft maybe they've confused you with somebody   else with a similar name whatever it is uh then  you're saying okay that's not mine and here's why   the second reason you might be disputing a debt is  maybe the amounts are wrong maybe you paid it off   maybe they've added something that you didn't know  about maybe you didn't authorize them to increase   that balance or add those fees or charge that item  to your account maybe you didn't get the services   that they're billing you for if it's like say a  medical debt or some kind of service provider or   even a landlord or anything else if you didn't  get what you're being billed for or the amount   is otherwise wrong then you're disputing the  amount and you want to ask for proof of that so   know in advance which of those two things you're  looking to attack and with that in mind let's   dig in to what exactly the letter needs to say  now if you've seen any of my other videos about   dispute letters you'll know i'm not a big fan of  form letters and the reason for that is because   everybody who receives a form letter knows exactly  what it is they know you went online and found   something they know that you're not doing a lot of  your own research that you're just using something   you found online and the answer to that is take  whatever you're using and make sure that it is   customized to include your specific reasons for  disputing the debt now with that in mind knowing   the reason we've already talked about earlier i'm  going to show you where to find a free form and   how to use that form to create the letter that  you're going to send to the debt collector to   dispute your debt so step one is the consumer  financial protection bureau which is a government   agency designed to protect consumers in cases  like this has a website i'm going to pull that   up on the screen now and that website has a  list of sample letters that are exactly what   we're talking about here so i'm going to put that  link in the description of the video so make sure   to click through the description get the link so  you can find this page that i pulled up right now   and you're going to scroll down to the section  of where it says the following sample letters   will help if you're experiencing common problems  and you'll want to click on the first one that   says i do not owe this debt and that when you  click on that you're going to download a form   from the consumer finance protection bureau  which has the information in it that you use   in order to dispute the debt now remember again  there's two general categories of things you might   be disputing one is it's not your debt or it's  not your account you didn't open that account   or maybe the amounts are wrong so let's go ahead  and open that form and we will look at exactly   what it is you need to do to tweak now i've  got the form pulled up on my screen here and   this form comes with instructions on how to  use it it says how to use the sample letter   you're saying this is not my debt and i'll  talk about how to customize this letter   for the challenging the amount first of  all let's look at the instructions one   read the background below of course read  it we'll go through it together with you   two fill in your information we want to  customize this letter to make sure it identifies   you and your account and your specific debt  collection and three you'll want to print and   mail the letter and it says here you should  consider sending the letter by certified mail   or another method by which you can establish when  the letter is received by the intended recipient   always whenever you're disputing a debt whenever  you're disputing anything related to a debt you'll   want to use certified mail return receipt  you want to get that green card back so you   can prove that you sent it and they got it and  when so the sample letter here begins on page   two and so at the top you know your name return  address date debt collector name debt collector   address so you know you want to fill in all  that stuff so presumably you've gotten a letter   or maybe you've gotten a phone call from a debt  collector you should have all this information   based on the communications you've received  usually that's going to be based on a letter that   you've gotten so you'll want to say in their dear  debt collector name i'm responding to your contact   about collecting a debt now it's important i'm  responding to your debt collector's contact to me   so hopefully you've gotten all that information  to fill in here you contacted me my by phone or by   mail on a particular date and then identified the  debt as for example a credit card with whatever   the credit card company is and then here i do not  have any responsibility for the debt you're trying   to collect i would add that i would go right here  so for example i might customize this and say you   have the wrong person like so for example if you  have a common name you might want to even say that   or whatever reason you believe it's the wrong  person or you might want to say let's go ahead   and correct this i've never had an account with  company that would be like if you had an identity   theft issue or maybe they've got a john smith it's  not you and some other john smith got that credit   either way it's it's kind of not me somebody else  and i've never had an account with them and so   that would be what you say and then it goes on to  have the language in there and then you're going   to want to say sincerely blah blah blah and it  says type in your name and here's what i want you   to do do not do not sign this letter by hand just  type in your name and so i would type in my name   that's it and just boom send it right so what  happens if you have the other issue where you   believe that it's that while it might be your  debt they have the amount completely wrong   you would say something along the lines of  the amount you are claiming is incorrect please provide a detailed statement of the account  so i would change that word debt to amount and   then i would also note that this letter does  one other thing stop all communications with me   at this address and record that i dispute having  any obligation the only thing they're allowed to   send you then is the proof that you've asked for  otherwise they have to stop collecting from you so   again you'll want to go down here you'll want to  type your name and then you'll want to send that   certified mail return receipt so you can prove  that you sent it and you can prove they got it   that's how you use a form letter so what happens  next when you send the letter what happens when   the debt collector writes back and  says no no we think it's correct   i'm going to put a video on screen we got a whole  video about what to do when that debt comes back   verified i'm going to put that video on screen  now so watch that if you need that if this has   been helpful for you hit the like button if you  know a friend or family member who needs to see   this video please share it using the share button  and if you have a question about something i've   said go ahead and drop a comment below we do our  best to answer every comment that we get in the   comments or with another video like this one so  thanks for watching i'll see you on the next one