Debt Collection Dispute Letter Texas. The validation letter will also have a number of statements of your rights, including the following information: The creditor must send you a written demand for payment (“demand letter”) at least 30 days before filing a lawsuit against you.
If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per texas finance code 392.202(b)(2), that the debt in question is inaccurate. The letter below is a sample debt validation letter. If you dispute a debt.
Use this free sample creditor dispute letter to send a dispute to the creditor or debt collector reporting on your credit report.
Answer form (pdf version, fillable if opened with adobe acrobat reader.); If it's been more than four years since your last payment or the last time you spoke with the original creditor or a debt collector, you may be able to get the lawsuit dismissed. If you dispute a debt. That if you request more information.