Sample Dispute Letter to Collection Bureau of Hudson Valley*

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Receiving a letter or answering a phone call from a bill collector in regards to an attempt to collect an outstanding debt is not the end of the world. In fact, a landmark consumer protection law grants consumers several rights that prevent debt collection agencies from using aggressive tactics to intimidate consumers into paying off delinquent credit card and personal loan balances.

Unlike dealing with the IRS, you are not considered guilty until proven innocent when a third party debt collector accuses you of owing the company money.

When a debt collection agency such as Collection Bureau of Hudson Valley contacts you, a federal consumer protection law gives you 30 days to send the bill collector a letter disputing the validity of the outstanding debt in question.

You can dispute the amount of the alleged debt or claim the statute of limitations has expired for collecting on the debt in the state where you live. Whatever reason you choose to contest an alleged debt, your case becomes much stronger when a licensed consumer protection lawyer handles your debt collection case.

Drafting a Dispute Letter for Collection Bureau of Hudson Valley

Dealing with a third party debt collector can cause considerable stress and anxiety. Many consumers are unaware that the Fair Debt Collection Practices Act (FDCPA), which the United States Congress passed in 1977, grants numerous rights that prevent bill collectors from calling at odd hours or implementing deceptive debt collection techniques.

However, you cannot expect to invoke the full legal powers of the FDCPA unless you work with an experienced consumer protection lawyer. Your lawyer will draft a dispute letter for Collection Bureau of Hudson Valley that clearly explains the reason(s) why you are contesting the validity of the outstanding debt in question.

In addition, a FDCPA lawyer will use language that refrains from getting personal with the debt collection agency.

Sample Dispute Letter to Collection Bureau of Hudson Valley*

Example of an Actual Debt Collection Agency Dispute Letter

An accomplished FDCPA lawyer will craft a dispute letter that states why you are contesting an alleged debt. You can claim the account in question is not yours or that you paid off the debt years ago.

In any case, your lawyer will write a dispute letter to Collection Bureau of Hudson Valley that looks something like this:

Your debt collection agency contacted me on December 1, 2018 in an attempt to collect an alleged debt. My FDCPA lawyer has advised me to request your debt collection agency stop contacting me until you can prove I owe the credit card balance in question.

My lawyer has also advised me to request the following information from Collection Bureau of Hudson Valley:

  • The amount of the consumer debt in question
  • Complete contact information for the original creditor
  • Evidence that proves I am legally liable for the alleged debt
  • Proof that your debt collection agency is licensed to collect consumer debts in the state where I live

Since I have sent this letter within 30 days of you first contacting me about the alleged debt, you must not communicate with me in any form until you have provided me with the information listed above.

If Collection Bureau of Hudson Valley files a judgment against me, without providing me and my lawyer with verification of the alleged debt, you can expect my lawyer to file a counter lawsuit against you for violations for the FDCPA.

Make sure the FDCPA works for you by speaking with a consumer protection lawyer today.

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*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Collection Bureau of Hudson Valley or any other third-party collection agency, you may not be entitled to any compensation.