A debt letter which comes out of nowhere is referred to as a "zombie debt" and it is something that you or may not have paid in the past. However, under the Fair Debt Collection agency Act, you have the every right to dispute about the debt. A formal way to dispute on it is by sending a dispute letter to a collection agency. This is done if you want to verify the debt or prove that you have already made payments to pay off the debt.
There are millions of delinquent accounts in the country and it is not uncommon for credit account records to get lost, deleted destroyed, misplaced or deleted. This is something that becomes difficult for collectors to validate a debt. And it is here when they are unable to validate a debt properly. They often sell this to other collectors without your prior notice. However, this is not a violation because the Fair Debt Collection Practices Act (FDCA) as the debt collectors do not require to dispute unless those are supposed to validate the debt or give any specified actions allowed by law.
If you find such letter but with a different collector, you can use the debt collection dispute with the validation letter sample given below to draft your own letter and inform the collector that you have disputed about the debt before. Meaning unclear........either delete or rephrase.
If a collection agency is coming after you for some zombie debts, the best way to handle this is by writing to them. A sample letter is given so as to show how you can write this letter.
In accordance to the Fair Debt Collection Practices Act, under the section of 809 (b): validating debts only if the consumer notifies the debt collector within thirty days and which is described in subsection, the dept collector shall cease the collection debt until an official verification or a copy of the judgment is obtained.
I respectfully request that you provide me with the following details by replying to this mail (or letter) as soon as possible.
Please, keep all the records of my correspondence from your agency. I am fully aware of the rights under the Act of Fair Debt collection practices.
Since, I have made an official dispute of the debt, if there are any sort of reports to the credit bureau or the credit agency, you must immediately inform them of the dispute regarding this.
Give your signature
Some instructions and tips to write the dispute letter to a collection agency: