Request a written validation notice from the debt collector
Verify the debt details, including creditor name, balance, and account number
Compare the debt information with your own records
Check the statute of limitations in your state
Dispute any inaccurate, incomplete, or unverified information in writing
Send your dispute by certified mail with return receipt requested
Keep copies of all letters, receipts, and records
Request proof that the collector has the right to collect the debt
Ask for an itemized breakdown of the amount owed
Notify the credit bureaus if the debt appears on your credit report
Include supporting documents with your dispute
Avoid admitting the debt if you are unsure it is yours
Stop phone communication and request written contact only if desired
Respond promptly to collection notices
Seek legal help if the collector violates debt collection laws