Today’s Date
Your Name
Your Address
Your City, State Zip


Collector’s Name
Collector’s Address
Collector’s City, State Zip


Account # XXX-XXXX-XXXX (or name of account or debt)

Dear (Collector’s name or company name):

This letter is in response to your letter dated month xx-xx, 2018 (copy enclosed) or phone call on xx-xx-2018, concerning the collection of the above referenced (account number or date).

I do not believe I owe this debt and therefore dispute this account. I am aware of my rights under the Fair Debt Collection Practices Ace (FDCPA) and California state laws. Therefore, I have verified through my state’s Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in California has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired.

This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws.

Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact.

(sign above printed name)

Your printed name

Things to remember before you send the letter:

  • Do not acknowledge the debt
  • Send via certified mail with return receipt requested
  • Do not make any promises to pay anything
  • Use credit report or recent statements to get the correct account information
  • Keep a copy of the letter for your own records