How to dispute a debt collection notice
What to do if you receive a demand for a debt you dispute or do not recognise.
Receiving a debt collection notice can be stressful, but you have rights. Do not ignore it, and do
not feel pressured into paying immediately if you are unsure the debt is correct. Start by reading
the notice carefully to see who is claiming what, and for how much.
If you do not recognise the debt or think the amount is wrong, you can usually ask the collector in
writing to verify it — to show that the debt is yours and correctly calculated. In many places, a
written dispute requires them to pause collection until they provide proof.
Keep copies of everything and communicate in writing where possible. Be aware that debts can become
too old to enforce after a certain period, and that collectors must generally follow rules about how
and when they contact you. If you feel harassed, note the details.
Frequently asked questions
Can I ask a collector to prove I owe the debt?
Yes. You can request verification in writing, and in many places collection must pause until they provide it.
Can a debt be too old to collect?
Often yes. After the limitation period passes, a debt is usually no longer enforceable in court, though rules vary by jurisdiction.
Have a question about your own situation?
This guide is general information, not legal advice, and does not create an attorney-client relationship.