When should you dispute collection debt?

Disputing collections debt can protect your credit, but only if you know when it actually makes sense to do so.
ConsumerAffairs

What Is a 609 Dispute Letter?

Could your debt be reduced or forgiven? Take our financial relief quiz. The main goal of a 609 dispute letter is to challenge a credit reporting agency to provide proof that a delinquency exists. You ...
JD Supra

District Court Holds Debt Verification In Response to Consumer’s Letter Refusing to Pay, But Disputing the Debt, Is Not a FDCPA Violation

Hall v. Cohn, Goldberg & Deutsch, LLC, No. 1:24-CV-01026-JRR, 2025 WL 475275, at *1 (D. Md. Feb. 12, 2025) A United States District Judge for the U.S. District Court for the District of Maryland ...
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Does disputing a debt hurt your credit? Here's what borrowers should know.

When you see a debt pop up on your credit report that doesn't look familiar, or one that lists the wrong balance or dates, it's natural to panic. Errors on credit reports are more common than many ...
JD Supra

Seventh Circuit Reverses Summary Judgment in FDCPA Debt Dispute Case

This week, the U.S. Court of Appeals for the Seventh Circuit issued a decision reversing a summary judgment order in a Fair Debt Collection Practices Act (FDCPA) case. The court found that there were ...
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What is a 609 dispute letter?

A 609 dispute letter is a formal way to request more information about the accounts on your credit report. Sending a 609 dispute letter may help you remove errors from your credit report. Legitimate ...