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Debt Collector Notice and Dispute Kit

This kit is for you if

• A third-party debt collector contacted you, by letter, call, text, or email, about a debt.
• You want to know what to do in the next 10 minutes, and over the next 30 days.
• You want word-for-word letters (dispute, stop-contact, follow-up) and the worksheets that build them.
• You want a clean paper trail of everything the collector does, in case it ever matters.

What is inside

• The guide (PDF, 99 pages): plain-English explanations, what to check and in what order, and where the common errors and deadlines live.
• The workbook (editable DOCX): the worksheets from the guide as fillable documents, so your numbers and evidence stay organized in one place.
• Letter templates (editable DOCX): written templates with bracketed prompts, grounded in what your documents actually show.

It includes a fully worked example, start to finish.

How you use it

1. Gather the document the other side gave you, plus your own records.
2. Work the guide in order; the early checks decide which later worksheets apply to you.
3. Record what you find in the workbook as you go, with dates and sources.
4. Use the templates to put your questions or your response in writing, and keep copies of everything you send.

Part of our Debt collection topic hub.

Not sure yet? Start with The Paperwork Audit, our free checklist. It uses the same method on six everyday documents. Or browse the Credit, Debt and Billing bundle if more than one kit on your list sounds familiar.