Regardless if it is claimed you owe $500 or $50,000 the process is simple and consistent. A claim is just a claim if it is not backed up by proof. The Beating Debt Collectors Guide (updated 2018) is written so that everyone can understand the debt collection process and more importantly, know what legal rights they have.
Demanding proof of a debt collectors claim is just the beginning to disputing any claim of debt they may have made towards you.
PLEASE NOTE: Our templates are just that, templates, they will require slight editing for your specific situation.
Being one step ahead of the debt collector puts you in control. Having a process of legal notices ready to send will place ever increasing pressure on the debt collector to perform. These notice templates are designed to ask for specific documents and information they are legally obligated to provide you.
A debt collector claiming you owe them for a credit card you did in fact use, a bank loan you did have or a car loan for the car you’re driving… is not proof you owe them a cent!
Should they fail to perform (they will fail) you will have the next notice ready and waiting to add more and more pressure on them to provide this information.