Sample Debt Dispute Letter
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Get Hopping – Defend Yourself when Sued for Debt
Why people don’t do the things they need to do. Procrastination is murder in debt defense, where you often have only a few days to respond to a suit. And over the longer haul, debt is a problem that tends to get worse. Why don’t people do whatever is necessary to protect themselves? Maybe you just need a little extra motivation.
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Doing Things Right When Sued or Threatened with Debt Suit
When it comes to talking with debt collectors, Silence is Usually Golden.
The biggest risk you face when dealing with debt collectors – especially when sued for debt – is that you will do or say something wrong. Be careful when talking to debt collectors, and know that anything you say could come back to haunt.
But if you have something it is in your interest to say, then say it – and hang up afterwards.
The Nature of the Debt Collection Beast
Debt collectors and their lawyers are not, of course, all the same, but the process of litigation, and the relationship between debt buyers and the people they’re chasing for money are pretty similar. It will help you to know the nature of the beast that is debt law.
Debt Collectors and Debt Law – The Nature of the Beast
What you’re facing when you take on the debt collectors
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This video was originally part of a tutorial on what people facing debt trouble should do.
Time line of Debt Trouble
Like most things, trouble can be analyzed as a series of discrete steps you can consider. And you can fix them one thing at a time, too.
Timeline of Trouble
| Life before Trouble | (this may be mythical) |
| Distant Rumbles | Something is not right – you know you aren’t doing something you should, either to prepare, protect, or conserve. |
| Closer Rumbles | Rumors of Doom – bills mounting, spouse complaining, you complaining, boss warning. |
| Dark Clouds in Sky | Collection letters and calls, serious conflict with important people |
| Debt Collection | |
| Litigation | Has its own process (See Litigation Timeline) |
| Clean-up and Move on | Win or Lose, life goes on. The quality of your life depends on handling this well. |
This time-line probably doesn’t tell you anything you don’t already know. Our point here is to “build system” to help you approach things systematically. It’s easier to take things one step at a time and in order than to take everything on at random. So much of what makes debt troubles so hard is that they are overwhelming and dispiriting. If you break them into simple steps and allow yourself the patience to do them one at a time trusting the results to add up over time, you can handle the problems.
We also suggest that you think “strategically,” which means keeping your end-results in mind from the very beginning.
Strategic Thinking
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Take Control of Your Debt
Take Control of Your Debt
– Take Control of Your Life
If you have been watching bills pile up or fear answering your phone because of debt collectors, this product will be good for you. It includes information about your right to require “verification” of debt and a sample letter you can simply copy and use on debt collectors that will often make them simply go away.
Also includes an article about your right to force debt collectors to stop talking to you at all (“cease communication letter”) and advice as to what effects this might have on you in the future, along with a sample letter to use to make the debt collectors stop communicating with you.
And it includes an article about finances and planning that will help you get ahead and keep the debt collectors from ever bothering you again.
These materials are designed to help you gain control of your debt, whatever it may be. The first step is to control the way and times the debt collectors contact you – if at all, and to assert your rights to force them to verify the debt. Beyond that, though, you need to take back control over your life by controlling your budget and improving your ability to earn and keep money.
You’ve probably seen (we have) simple debt verification letters selling for fifty or a hundred dollars. With this package you get two sample debt verification letters designed by a professional who has been in the business a long time. In addition, you get a “cease-communication” letter you can use to make the debt collectors stop contacting you altogether, along with information that will help you know how to use the letters with confidence. Plus you get actually meaningful and helpful advice on reining in your debts permanently. Click here to see more on this product.
Talking with Debt Collectors – Periscope
Our Periscope Scopes (on Youtube)
The first one: Talking with Debt Collectors
