Unlike accomplished magicians that vanish under the bright lights hung over a stage, consumer debts rarely perform the same disappearing act. You might think a delinquent debt owed to a creditor has vanished like a puff of smoke, but debt collection agencies such as McCarthy Burgess & Wolff have a powerful financial incentive to pursue debt collection efforts.
Most third party debt collectors purchase delinquent debts for pennies on the dollar. If they are successful in getting you to resolve an outstanding credit card or personal loan account, the profit margin is ridiculously high to the point that it reaches triple digits.
However, you have the legal right granted by a landmark consumer protection law to dispute a debt pursued by a bill collector.
Why should you dispute a debt pursued by a debt collection agency like McCarthy Burgess & Wolff? The short answer is a dispute letter gets the debt collection agency off your back by preventing the company from making contact with you until it can prove the debt is legally valid.
If a bill collector cannot provide documentation that verifies you owe money on an outstanding consumer debt, then the agency is not allowed to contact you again in regards to the alleged debt.
Under the Fair Debt Collection Practices Act (FDCPA) not only do you have the right to dispute a consumer debt, you also have the right to receive notice of the debt and the right to confirm the debt is legally valid.
Drafting a Dispute Letter for McCarthy Burgess & Wolff
Drafting a dispute letter to McCarthy Burgess & Wolff requires the legal expertise of a licensed consumer protection lawyer. A lawyer knows exactly how to word the letter to stop a debt collection agency from contacting you until it can prove the debt in question is legally valid.
Even if you admit to owing money on a credit card or personal loan account, your lawyer can prevent McCarthy Burgess & Wolff from communicating with you in any form by sending a cease and desist letter.
Moreover, an FDCPA attorney will seek monetary damages against an unethical bill collector that violates provisions of the ground breaking consumer protection law.
For example, if McCarthy, Burgess & Wolff uses deceptive techniques in an attempt to get you to pay off a delinquent debt, your attorney will file a lawsuit seeking actual damages for violating the FDCPA.
What to Include in a Consumer Debt Dispute Letter
In addition to writing a professional looking letter that does not include emotionally charged language, your lawyer will know exactly how to craft a dispute letter sent to McCarthy Burgess & Associates.
The letter will request several documents that prove you owe money on a delinquent credit card or personal loan account.
You want proof of the amount allegedly owed, as well as the name and contact information for the original creditor. The debt collection agency should also present evidence it has a license to run a debt collection business in the state where you live.
Your lawyer will cite Section 809(b) of the FDCPA, which explains you plan to maintain records of all forms of communication conducted with a debt collection agency.
Debt collection agencies are determined in their efforts to track down consumers that owe money on outstanding credit card and personal loan accounts. Make sure you have the legal expertise of an experienced FDCPA attorney to counteract the legal counsel hired by a third party debt collector.
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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 McCarthy Burgess & Wolff or any other third-party collection agency, you may not be entitled to any compensation.