The Law That Protects You
Under 15 U.S.C. § 1692f(1), debt collectors may only collect amounts expressly authorized by the original agreement or permitted by law. Collecting unauthorized fees is an FDCPA violation regardless of whether the underlying debt is legitimate.
When to Use This Letter
The amount the collector claims is higher than what you believe you owe
Fees, interest, or collection costs have been added that weren't in your original agreement
The balance has grown substantially from the original debt
You want an itemized breakdown of all charges before responding
What This Letter Does
Formally disputes the amount claimed under FDCPA § 1692g
Demands a complete itemized accounting of all charges
Cites § 1692f(1) prohibiting collection of amounts not authorized by the original agreement
Demands the original agreement authorizing all fees and interest charges
Warns of civil liability for collecting unauthorized amounts
Generate This Letter
Complete the 5-step wizard and get a professionally formatted PDF citing the exact law for your jurisdiction.
Generate My Letter — $12.99Check SOL — FreePreview is always free. Pay to download PDF.
DebtDispute provides document preparation assistance and is not a law firm. This does not constitute legal advice. Consult a licensed attorney for legal counsel.