- 1 Describe
- 2 Options
- 3 Generate
- 4 Track
- 5 Book
A debt collector sent me a letter about a medical bill
Your options, best first
#1 Do it yourself
Dispute in writing within 30 days
- Find the date on the validation notice and the end of the 30-day dispute window.
- If you dispute in writing within 30 days, the collector must stop collecting until it mails verification (FDCPA, 15 USC 1692g).
- Send the letter by certified mail with return receipt.
- Do not admit the debt or pay before you have verification.
- Keep a log of every call.
Safety: Do not give bank or card numbers to a caller you cannot confirm.
Stop and call a pro if: you are sued: do not ignore court papers; call a legal aid office immediately.
Based on: CFPB - What is a debt collection validation notice?, CFPB - What should I do if I can't pay a medical bill?
General information, not professional, legal or medical advice. You decide and you send every document yourself; we never contact anyone for you.