Sample Dispute Letter to RGS Financial*

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Did you know that a federal consumer protection law passed in 1977 gives you numerous legal rights to fight back against debt collection agencies? By knowing your rights, you learn about the dispute clause of the Fair Debt Collection Practices Act (FDCPA).

The groundbreaking federal law allows consumer to dispute alleged outstanding debts. Within five days of first contacting you by mail or phone, a bill collector such as RGS Financial must send a letter informing you about the amount of the delinquent debt in question, as well as the name and address of the debt collection agency.

RGS Financial must also explain in the letter your right to dispute an alleged debt and that you have 30 days to formally send a dispute letter to the third party debt collector.

Drafting a Dispute Letter for RGS Financial

Facing a debt collection process can cause considerable stress and anxiety. Many consumers do not understand the full implications of the rights granted to them by the FDCPA. When a bill collector contacts you, the first action to take involves speaking with a licensed consumer protection lawyer.

Meeting deadlines is critical in making your case to a third party debt collector like RGS Financial.

Your attorney will craft a persuasive dispute letter that requests the bill collector refrain from contacting you until it can prove you owe money on the debt in question.

If RGS Financial cannot prove you owe money on the alleged outstanding credit card or personal loan account, you have the right to invoke the FDCPA by demanding the debt collection agency cease all forms of communication.

Your experienced FDCPA attorney might feel you have a case to take to civil court in pursuit of damages caused by one or more violations of the FDCPA.

Sample Dispute Letter to RGS Financial*

Actual Sample Dispute Letter

Every dispute letter should include the name and address of the consumer at the top of the letterhead. You should also add the name and contact information of the debt collection agency. The first paragraph specifies the date when RGS Financial first contacted you.

You then explain why you are not legally liable for the debt in question. Reasons for contesting the existence of an outstanding debt include never having an account with the original creditor or claiming the statute of limitations has expired in the state where you reside.

You want to make several legal requests in the dispute letter, including proof the debt exists and documentation that shows RGS Financial has a license to collect delinquent debts in your state. Your lawyer will add language that asks the debt collection agency to confirm the amount owed on an outstanding credit card or personal loan account.

You also want to learn the name and address of the original creditor. Legal language that refers to the FDCPA represents an effective way to get RGS Financial to comply with your requests. You should also mention you have hired an experienced FDCPA attorney to provide the legal protections granted by the landmark consumer protection law.

Understand you can expect to deal with a professional debt collection agency representative that will read from a carefully written phone script. RGS Financial will also use the services of a legal counsel that has handled many consumer debt collection cases.

Speak with an accomplished FDCPA lawyer today to receive the legal protections granted to you by federal law.

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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 RGS Financial or any other third-party collection agency, you may not be entitled to any compensation.