Why should I send a dispute letter to a debt collector by certified mail?


Why should I send a dispute letter to a debt collector by certified mail?It is normally a great idea to talk to collectors on the phone (we cover in depth how to talk to collectors) but if you communicate in writing, our strong suggestion is you must do it by certified mail.

If you are not going to do that, then you are just wasting your time.

The reason is, you can have the greatest dispute letter, validation letter, cease and desist letter, etc. but if when the debt collector gets it, looks at the envelope, and sees it is not sent by certified mail then dishonorable debt collectors (the kind that break the law in the first place) will throw it away.

“But I sent a ______ letter to the collector!”

Collection agency lies about it and say “No you didn’t.”

Can’t prove them wrong (at least not easily) so what is the solution?

Send your letter by certified mail, because when they lie about not getting your cease and desist letter or your dispute letter, or whatever letter it is, when they lie about that, you pull out this green card and say, “right there. You signed for it.”

Then it’s funny to watch them squirm.

They squirm because you have caught them lying.

It’s interesting to watch, and they almost always have … this progression, “We never got it. We never got it. Maybe we got it. We lost it. When you said ‘don’t ever call me again,’ we didn’t know what that meant, so that’s why we kept calling …” They just go through this progression of lies.

You have to do it by certified mail. Seven bucks is the cost. ┬áHere’s the deal:

If it’s important enough to contact a debt collector, it’s important enough to do it by certified mail.

If you are dealing with a debt collector of any type and you live in Alabama, give us a call to find out how to protect yourself from abusive debt collectors — call us at 205-879-2447 or fill out our online form and describe what you are going through and we’ll get right back to you.

Feel free to comment below or share this article thanks!

John G. Watts

 

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