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Use this medical collections letter: "I am requesting you to provide me with a validation of the debt that you spoke of earlier. This is not a refusal to pay, simply my notice that your claim is in dispute and that validation is demanded. (15 USC 1692g Sec. 809 (b))."
It's that simple. Easy, huh?
The hard part comes when the collector continually responds that everything is valid and accurate. It can be much easier to work with a professional to remove your medical debt. Many companies spend years learning how to consistently dispute medical collections.
Unfortunately, making effective disputes to remove medical collections can be hard. There are hundreds of ways to word them. You’ll need to spend time studying the FCRA and FDCPA to learn to properly form a dispute.
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