Having an erroneous collection account on your credit report isn't a life sentence, though. There are laws in place to ...

Disputing a debt that has been sold to a debt collector is not just possible — it's your legal right.

Disputing a debt you believe you don't owe can be intimidating. Sending a dispute letter to creditors is the first step to dispute a debt with a creditor or collector.

When a debt collector comes calling, you have options for disputing the debt. Here’s what you can do to legally deal with debt collection companies.

The debt isn’t yours: Now what? When you dispute a debt in the belief that it isn’t yours, the collector cannot legally contact you without proving that you do, in fact, owe the debt.

Our rating: False A debt is not "invalidated" if a collector does not respond to a verification letter within 30 days. There is no time limit for collectors to respond to such a letter, experts say.

Explore if debt collectors can withdraw from your bank account, learn about court judgments, your rights, and how to handle debt collection.

How to Write a Debt Collection Letter This guide includes information about how to write a debt collection letter and pursue outstanding invoices from nonpaying clients.

Send a written dispute letter: If you believe the debt is invalid or there are errors, write a dispute letter to the debt collector. Include your name, account information and a clear statement ...

Debt validation letters are formal written requests sent to a debt collector to verify the debt they claim you owe. Here’s how to get one and use it.