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Dispute Process

How to dispute a debt if you believe there is an error

Your Right to Dispute

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to dispute any debt within 30 days of receiving our initial communication. If you believe the debt is not yours, the amount is incorrect, or you've already paid it, you should exercise this right.

Important: You must submit your dispute in writing within 30 days of our first contact for us to be required to verify the debt before continuing collection activities.

Dispute Process Timeline

Step 1 Submit Written Dispute

Send us a written dispute letter via certified mail with return receipt requested. Include your name, address, account/reference number, and a clear explanation of why you're disputing the debt.

Step 2 Collection Paused

Upon receiving your written dispute, we will pause all collection activities on your account while we investigate and obtain verification.

Step 3 Verification Obtained

We will contact the original creditor to obtain documentation verifying the debt, including the original amount, account details, and proof of the obligation.

Step 4 Response Sent

We will send you the verification documentation. If the debt cannot be verified, we will cease collection activities. If verified, we will provide you with the documentation.

Sample Dispute Letter

You may use the following template for your dispute letter:

DEBT DISPUTE LETTER

Date: _______________________


American Compliance Legal Services
31 Hayward St, Suite 2A-213
Franklin, MA 02038


Re: Account/Reference Number: _______________________


To Whom It May Concern:


I am writing to dispute the above-referenced debt. I dispute this debt for the following reason(s):

[ ] This debt is not mine
[ ] The amount is incorrect. The correct amount is: $_______
[ ] I have already paid this debt on: _______
[ ] Other: _______________________

Please provide verification of this debt including:

  • Proof that I owe this debt
  • The original creditor's name and address
  • Documentation showing the amount owed

Sincerely,

Your Signature
Your Printed Name
Your Address
Your Phone Number

Where to Send Your Dispute

Mailing Address for Disputes

American Compliance Legal Services
ATTN: Dispute Department
31 Hayward St, Suite 2A-213
Franklin, MA 02038

Recommendation: Always send dispute letters via certified mail with return receipt requested. This provides proof that your dispute was received and the date it was delivered.

What Happens After You Dispute

After we receive your written dispute:

  • We will mark your account as disputed
  • Collection activities will be paused during verification
  • We will request verification from the original creditor
  • You will receive a written response with verification or confirmation that the debt has been removed from collection
  • If verified, you still have the right to negotiate payment terms or settlement

Questions?

If you have questions about the dispute process, you may contact us at:

Phone: (877) 679-8196

Email: disputes@americancompliancelegalservice.com