Debt Collection Dispute Letter - Template, Sample Form Pro · EN-CA-law

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DELIVERED BY: ________

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Re: Notice of Dispute and Request for Verification of Alleged Debt
Debtor: ________
Account / Reference No.: ________
Original Creditor: ________
Alleged Amount Outstanding: $________ (________)

Dear ________,

§ 1. Acknowledgement of Correspondence. I acknowledge receipt of your letter dated ________ (the "Collection Letter"), in which you allege, on behalf of ________ (the "Creditor"), that I am indebted in the amount of $________ (________) (the "Alleged Debt").

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§ 3. Request for Verification. Before any further steps are taken, and in accordance with the consumer-protection and debt-collection legislation applicable in my province (including, without limitation, the applicable provincial Collection and Debt Settlement Services Act, Consumer Protection Act, or equivalent statute and the regulations thereunder), I require that you confirm the following in writing:

1. the full legal name, business address, and contact information of the debt collector and of the collection agency acting in respect of this matter, together with confirmation of your licence or registration to collect debts in my province and your registration number;
2. the full legal name and contact information of the Creditor to whom the Alleged Debt is said to be owing, and on whose behalf you are acting;
3. confirmation of whether the Alleged Debt has been assigned, sold, or otherwise transferred, and if so, the date of such assignment and the name of the assignor and assignee;
4. a complete statement of account showing how the Alleged Debt was calculated, including the principal, interest, fees, and any other charges, together with the annual rate and basis of any interest claimed;
5. the date on which the Alleged Debt is said to have first fallen into arrears, the date of the last payment made (if any), and a copy of the last billing statement issued by the original Creditor; and
6. a copy of the underlying agreement, contract, or other document evidencing my obligation to pay the Alleged Debt.

§ 4. Verification of Legitimacy. Upon receipt of the foregoing information, I will be in a position to determine the legitimacy and accuracy of the Alleged Debt and to verify the amount, if any, that the Creditor claims remains outstanding. I am amenable to open, transparent, and good-faith communications in order to resolve this matter.

§ 5. Conditional Willingness to Settle. Should I verify the foregoing information and be satisfied that the Alleged Debt of $________ (________), or any part thereof, is properly owing by me, I am prepared to make an offer in settlement of the claim. Any such offer will be made on a "without prejudice" basis and shall not constitute an admission of liability.

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§ 7. Direction Regarding Communications. Please direct all future correspondence in respect of this matter to me in writing only, at the address noted above. I do not consent to being contacted by telephone, and any communication that contravenes the applicable provincial debt-collection legislation or its regulations will be documented and may be reported to the regulator responsible for the licensing of collection agencies in ________.

§ 8. Governing Law. This dispute and all matters arising from it are governed by the laws of the Province of ________ and the federal laws of Canada applicable therein.

§ 9. Reservation of Rights. All of my rights, remedies, defences, and recourses, at law and in equity, are expressly reserved. Nothing in this letter constitutes a waiver of any such rights.

Thank you for your attention to this matter. I look forward to your prompt written response.

Yours truly,

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