Improper Debt Collection Practices

If you have ever received credit from a bank, mortgage company, credit card companies or even a vehicle loan, you are a debtor. When you miss payments, or an error is made on your account, your account may be turned over to a professional debt collector. You have rights that require the debt collectors to treat you fairly and actually prohibits them from certain collection methods. The Fair Debt Collections Practices Act does not erase any legitimate debt you may owe, but it does give you certain rights, especially from harassing calls.

Sample forms for dealing with a debt collector:

• Sample Dispute & Verification letter to debt collector
• Sample Cease Communication letter to debt collector
• Collection Communication log

Sample forms for dealing with a Credit Bureau:

• Free Credit Report Request form
• Apply for your credit report online at AnnualCreditReport.com
• Contact information for credit bureaus
• Sample Dispute Letter to credit buruau
• Sample Dispute Letter to credit bureau after Bankruptcy Discharge
• Identity Theft Affidavit
• Security Information

Sample Forms for dealing with a bank:

• Sample letter to bank for unauthorized withdrawals from bank account

Sample forms for dealing with a credit card company:

• Sample Letter to Credit Card Company for Account/Billing Errors

Here are some important things to consider. Click on any topic to read more about it.

• Remove or correct credit report mistakes
• We can also defend on lawsuits
• No fees or costs unless you win
• Laws that protect you
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