I am writing in response to your (letter, FAX or phone call) dated {insert date}, (copy enclosed) because I do not believe that I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809, The Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Show me that you are licensed in my state, and provide me with your license numbers

I also demand that you immediately send a copy of this dispute letter to the company that you say I owe money to so they are aware of my dispute with this debt.

I further demand that, if you have reported me to a credit reporting agency, you inform them that I have placed the debt in dispute and provide me with proof that you have done so.

Finally, stop contacting me about this or any other matter, except via mail and then only to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions such as pursuing court actions.

Your Signature Above Name
Printed Name

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