Sample Debt Collection Letters and Oklahoma Collection Laws

There are many collection firms that play by the rules and treat consumers fairly, but those that do not can cause financial harm to consumers and undermine the financial marketplace. Oklahoma Collection Laws allow banks and other creditors may sell off debt to third parties. Those third-party debt buyers may collect the debt themselves or sell it off again for collection. Third party debt collectors are legally required to refrain from committing unfair, deceptive, or abusive acts or practices.

Are you looking for a Validation of Debt Template? Sometimes referred to as a Validation Request Letter or a Sample Debt-Collection Letter, we have linked Debt Validation Letter Examples from the CPFB below. These Validation Letters and Credit Validation Letter Samples may be used for Free.

Below are 5 sample debt collection letters, including a Debt Validation Letter Template that consumers can consider using when corresponding with third party debt collectors. These Free Debt-Collection Letter Templates were drafted by the Consumer Protection Financial Bureau in order to assist consumers get valuable information about claims being made against them or protect themselves from inappropriate or unwanted collection activities.

IMPORTANT: We recommend that always make a copy of the letter before sending it and request delivery confirmation from the post office when you send it.  That way you can prove what the debt collector received and have evidence of wrongdoing if the debt collector doesn’t follow the law.

After you send the letter, in most cases, if the debt collector does not do as you’ve asked, then they have violated the FDCPA and you are entitled to up to $1,000 in damages plus free legal representation!  

Debt Collection Letters

The letters address the following situations when the consumer:

Validation Letter Template:

The first letter is a Validation Letter Template for consumers who want more information about a debt the collector has told them that they owe. The letter states that the consumer is disputing the charges until the debt collector answers specific questions about what is owed. This letter may be useful, for example, for a consumer who may not immediately recognize the debt as their own or for those who want to find out more about the debt before they pay it.  Important Tip: After you send this letter, if a debt collector is required to stop trying to collect the debt until they provide you with some information.  If they are reporting the debt to the credit bureaus, they must update your credit report with “DISPUTED BY CONSUMER”.  Check your credit reports at www.annualcreditreport.com about 45 days after you send this letter. If they do not, then contact us about filing a lawsuit against the debt collector.
Download the “more information” letter

Wants to dispute the debt and for the debt collector to prove responsibility or stop communication:

This letter tells the collector that the consumer is disputing the debt and instructs the debt collector to stop contacting the consumer until they provide evidence that the consumer is responsible for that debt. For example, consumers who do not want to discuss the debt until they have additional information verifying the debt might use this template. Important Tip: After you send this letter, the debt collector is required to stop trying to collect the debt until they provide you with some information.  If they are reporting the debt to the credit bureaus, they must update your credit report with “DISPUTED BY CONSUMER”.  Check your credit reports at www.annualcreditreport.com about 45 days after you send this letter. If they do not, then contact us about filing a lawsuit against the debt collector.
Download the “dispute and proof” letter

Wants to restrict how and when a debt collector can contact them:

The Fair Debt Collection Practices Act prohibits debt collectors from contacting a consumer about a debt at a time or place they should know is inconvenient. With this letter, the consumer is able to tell the debt collector how they would like to be contacted. This may be a useful option for a consumer who wants to work with a collector to resolve their debt. Important Tip: After you send this letter, if a debt collector contacts you in a way or a time you have told them is inconvenient, then you may be entitled to $1,000 and free legal representation by us. 
Download the “contact restriction” letter

Has hired a lawyer:

If a consumer has hired a lawyer, generally, the debt collector should be contacting the lawyer instead of the consumer. This letter template provides a way for the consumer to give the debt collector the lawyer’s information and instruct the collector to contact only the lawyer.  If you are contacted again directly after sending this letter, call us for a free case review.  We’ll be happy to work with your current attorney!
Download the “hired a lawyer” letter

Stop calling me! Cease and Desist:

Consumers have the right to tell a debt collector to stop all communication. It is important, however, to note that stopping contact from a debt collector does not cancel the debt or prohibit the collector from potentially pursuing other remedies, such as filing a lawsuit. This letter template could be beneficial for those consumers who feel they are being harassed by a collector’s communications.  If you are contacted again by the collector after sending this letter, call us.  You may be entitled to $1,000, plus free legal representation.
Download the “stop contact” letter

We hope that you find the CPFB’s Debt Collection Letters above helpful. The Validation Letter Template is good, much better than the ones floating around the internet previously. Oklahoma Collection Laws allow the consumer broad rights. Contact our office now about how we can help you.