Debt Collector?

Question

I was first contacted by a debt collector by mail in late March to which I responded to on April 9th, disputing the debt and asking for verification. I did not send this certified mail because I did not know better. I did not hear anything back from the debt collector and assumed it was closed. However, I received another letter from a different collection agency in mid July to which I responded in the same fashion since it seemed to work before but again I did not send the letter through certified mail. I did however respond to them though within the 30 days of receiving their letter. I did not hear anything back and assumed it was closed. When I checked my credit score today and found out it dropped significantly I obtained a copy of my credit report and on there it has my account with the debt collector that contacted me in July as 120 days delinquent. Can I still dispute this debt or since I did not send the letter through certified mail am I out of luck? Thanks for any help

Answer 1

The hardest part of your case is to prove that the letter was received by the debt collector. So many things may have happened between the time you sent your letter and the collection agency received it, or when the collection agency attempted to respond to you. You can always dispute the account further and you can also dispute anything directly to your credit bureau as well.