The CFPB has prepared sample letters you can use to respond to a debt collector who is trying to collect a debt from the wrong person, as well as tips on how to use them. The sample letters may help you to get information, set ground rules about any further communication, or protect some of your rights. Once a debt collector receives your letter, he or she may not contact you again except to:
- Tell you there will be no further contact.
- Advise you that it or the creditor may take other specific actions it is legally allowed to take, such as a lawsuit against you.
- You can also tell the debt collector that you do not believe the debt is yours. If you have evidence that the debt isn’t yours, you might choose to send copies of relevant information with the letter.
Keep a copy of your letter
Send the letter by certified mail and purchase a return receipt so you have proof it was received (keep this in your records, too). You may also send the letter by fax, just be sure to keep a copy of the fax receipt.