If collectors are calling and demanding money for a debt that may not be yours or you cannot remember if it is yours or the amount of the debt is wrong you have, according to the Fair Debt Collection Practices Act (FDCPA) the right to dispute the debt. If you wish to dispute a debt it is in your best interest to do so in writing.

You should write your own personal letter to dispute debts when you don't owe the money or at least you don't think you do. The Fair Debt Collection Practices Act requires collectors, once they've received your dispute letter, to cease contacting or calling you until they verify the debt is valid.

There are many free debt collection letters available on the internet. But these letters are very generic in style and of little use in most cases. When you have a debt collector attempting to collect a debt you can keep the debt collector from getting a judgment if you answer EVERY presentment he sends you with the proper debt collection letter.

I have a do-it-yourself manual that has been updated almost every year for the last eight years. This manual that has every debt collection letter you will ever need for every debt collector response and even will help you restore your credit rating.

For more information about the best dispute letters to repair credit report rating see Do-It-Yourself Credit Repair Dispute Letter