Credit: Example Letter To A Collection Agency

Real Estate Agent with Full Time REALTOR in Ohio 2003019176

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:

Account Number:




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 address:

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).


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carla harbert
westlake realtor

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Christopher Watters
Watters International Realty - Austin, TX
Austin Realtor (512-829-8000)

Someone I know recently was foreclosed. They told me they had the collections letter out to them in no time. And they were even quicker to foreclose on the property.

Mar 24, 2008 05:59 PM #1
Lee Walsh
SecurityNational Mortgage - Lake Mary, FL
Executive Talent Scout for Mortgage Professionals


 Good idea, I would add that the person check their credit report before writing to the collection agency to confirm that the "debt" appears on their credit file.

If it does they also need to dispute the information with the bureaus that show the incorrect information on their credit report. It is easier to get a bureau to remove false information than it is to get a collection agency to remove it. 

Mar 24, 2008 06:02 PM #2
David Swierczynski
Retired - Antioch, IL


That is good advice. I believe it important to send this to the credit bureaus (if it has been reported) as well as the collection companies. I have this conversation on the first meeting with clients, they inevitably thank me later.


Mar 24, 2008 06:03 PM #3
Carla Harbert
Full Time REALTOR in Ohio - Brunswick, OH
RE/MAX Omega, Brunswick Ohio

Christopher - Foreclosures are a real dirty word in real estate right now. Thanks for the post...sorry that happened to someone you know.

Lee - great idea! You are totally correct to state that a credit report should be pulled & reviewed right away. And yes, you are so right, in regards to once posted on a credit report- collection companies are very slow to remove & quicker repsonses are possible through the credit bureau. Thank you!

David - Thank you. I applaude you in addressing this with your clients. This tell me that you have their best interests at heart. Way to go!

Mar 24, 2008 06:15 PM #4
Doug Jones
Mortgage Magic - San Jose, CA
Mortgage Broker - NMLS 286668
good post
Mar 24, 2008 06:46 PM #5
Jo Olson
HOMEFRONT Realty - Kettle Falls, WA
HOMEFRONT Realty @ LAKE Roosevelt - Stevens County

Very good info and if it has already shown up on your credit report get it in dispute asap.

Mar 24, 2008 07:56 PM #6
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Carla Harbert

RE/MAX Omega, Brunswick Ohio
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