Free FDCPA Resources

The Federal FDCPA and Colorado FDCPA provide consumers with rights to slow down and stop collection activities in certain circumstances.  These rights include the right to verification of the debt, the right to dispute the debt, the right to request the debt collector to cease communications, and the right to limit the debt collector's communications.

Vedra Law LLC has developed free template letters for consumer use.  All that the consumer needs to do is fill out some information and Vedra Law LLC will send you a free, pre-filled letter based on the Consumer Financial Protection Bureau's sample letters.

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Validation letter

The FDCPA allows the consumer to request verification of the debt within thirty days after the debt collector's initial communication with the consumer.  Requesting validation of the debt triggers important rights for the consumer.  Vedra Law LLC has a free template letter for requesting debt validation.

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Dispute letter

The FDCPA permits a consumer to dispute a debt with the debt collector.  If the consumer disputes the debt within thirty days after the debt collector's initial communication, the debt collector must cease collection activity until validating the debt.  Vedra Law LLC has a free template letter for disputing a debt.

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cease communication letter

On written request,  a debt collector to cease communications with the consumer.  After a written refusal to pay or request to cease communications, the debt  collector may not communicate with the consumer except in certain circumstances.  Vedra Law LLC has a free template letter for requesting a debt collector to cease communications.

Disclaimer:  Vedra law LLC provides these letters as a courtesy and does not make any representations, warranties, or guarantees that any particular letter will achieve any particular result or is fit or appropriate for any particular use or purpose.  By providing these letters, Vedra Law LLC has not agreed to represent any user in any particular letter.  Instead, Vedra Law LLC will represent consumers only pursuant to a written and executed engagement agreement.  Vedra Law LLC accordingly disclaims all liability for any use of the form letters contained on this website.