If you are contacted about a debt that you believe you do not owe or you disagree with the amount, you have the right to dispute the debt.
The following are reasons and grounds to dispute a debt:
It’s not your debt.
You have already paid the debt.
You disagree with the amount of the debt.
It’s an old debt and you haven’t made a payment for at least six years, no court judgment has been entered against you and you haven’t admitted in writing that you owe the debt.
If you find yourself in this situation and you would like to find out more about your individual rights, please email: firstname.lastname@example.org