How can I question the debt?

Sometimes individuals receive accounts for debts that do not owe or are charged for an incorrect amount. In these cases, people are usually not obliged to simply pay the bills that come to them, regardless of whether they are valid or not. If you need to question the debt, you will usually need to inform the creditor or the collection agency about your dispute. However, the process of questioning debts and steps that the company must take to deal with your dispute may depend on the laws in your jurisdiction.

If you receive an account for a debt you don't owe, your first idea may be to contact the company that has sent you an account. This is a reasonable first step, but may not be enough to officially start the dispute process. Instead, you will usually have to question the bill in writing. In most cases, this includes writing a letter to the Agency for Collection or the creditor to indicate its reasons for questioning debt and evidence of the request that you owe the specified amount. You will usually do not do it as soon as possible; BothFor example, the practice is to question the debt within 30 days of receiving the bill or the collection notice.

If you send a letter to question the debt, you can also close a copy of the bill or letter you received. If you paid the debt in full and you have proof that you have done so, you can also include copies of such evidence. If you have never dealt with the company with the company or have any other reason to believe that the debt is invalid, include such details in your letter. When you are satisfied with the letter and any accompanying documents, you can send it via certified mail or similar services. This will give you evidence that the receiving company has accepted your letter.

You can also question the debt through the credit authority. If you find errors in your credit report, you can request a credit office. If the credit office is not capable ofEN to ensure evidence of debt, usually removes it from your credit message. Even if you can write a letter to start the dispute process, many credit agents have online forms that you can fill in and send by mail to challenge the debt. Using the Credit Office dispute form and, according to the instructions provided by the Credit Authority, it may ensure that the investigation is completed in time.

In some cases, consumers do not achieve the desired results through regular dispute processes. If this happens, you may need to seek legal assistance. There are lawyers who specialize in debt problems that can help you.