Collection Agencies are quick to act upon trying to collect a debt from consumers. Sometimes letters go out to several parties with similar names, trying to seek out the "real" debtor. Below is an example letter that can be sent out to a collection agency, if you feel this is NOT your debt:
Again, Credit is SO Important today, for a consumer to be as squeaky clean as possible! Here is an example letter to a collection agency...
Name of Collection Agency:
Address of this Agency:
To Whom It May Concern:
I have received notice that your office is trying to collect a debt, that I genuinely feel does not belong to me. Under the federal Fair Debt Collection Practices Act, I have the right to ask for validation of said debt that you are trying to collect. Please provide proof or evidence from the original creditor, claiming said debt.
This letter shall serve as notice given, that I totally dispute said debt. I await your response to this request.
If you are unable to provide evidence or proper documentation regarding this collection, I demand the debt be removed from my file, with a statement from your office showing 'no amount due - zero balance'.
Your full name: (do not use nicknames)
Your date of birth:
(I do not recommend giving out your social security number to collection agencies. Seek legal advice if this simple letter does not work).