Disputing a Debt Click on the question to see the answer.

I received a notice regarding a small debt that I disputed in writing within the 30-day time period. A phone call to the collections agency two weeks after the date of my dispute letter confirmed that they received my letter and were in contact with the creditor to verify the debt. It has been nearly 30 days since that phone call and I have yet to hear from anyone regarding the status of this debt. How long should I wait before I take further action and what should I do?
There is a collection account on my credit report that I am not sure I owe. I have sent the collection agency a letter asking them to validate the debt. However, they have not provided me with an account statement showing me what the debt is for. So, I have decided to negotiate the debt owed. If I settle the debt for less than the amount owed will this hurt my credit score more than settling for the full balance? Will my credit score increase if I pay the full balance?
How do I dispute a debt that is not mine? I don't want to provide my Social Security number to the collection agency since I do not know if it is legitimate, and I have never had the debt they describe. How do I get the debt collection agency to remove my name and phone number from their collection list without giving out personal information?
I have been receiving voicemails for several weeks from a collection agency. They have provided me with the name of the company and a claim number. Does the collection agency owe me written notice under the Fair Debt Collection Practices Act (FDCPA)? Are they in violation of the FDCPA?
How do I dispute a debt?
How are debt collectors required to respond to my dispute if received after the initial 30-day validation period?
What are debt collectors required to send as verification of a debt?
How will a debt collector verify my debt and who is supposed to mail the verification to me?
I disputed a debt but never heard back. I thought collectors had to verify debts?
If a debt collector did not validate my debt following a dispute, what rights do I have if a debt collector starts collections at a later date?
Can debt collectors demand payment or take legal action during the 30-day period for disputing a debt?
I entered into an agreement to pay off a debt over time to a debt collection agency. I made every payment as scheduled, but the company misguided or misplaced one payment. We had written payment arrangements with this company. I have a payment receipt, but the company still hasn’t found the payment. They said I defaulted on the agreement and now another debt collection agency is contacting me.
Three years ago, I was informed by a law firm that I owed a debt to a cellular phone company. I wrote this law firm and informed them that I never have owned a cell phone and the law firm eventually told me that a person with the same name owed the debt. They said they would contact their client and have the error corrected with the three consumer reporting agencies. This still hasn’t been resolved.
I recently paid a credit card though a third party collection company. They offered me a settlement amount of $212 and sent me a paid in full letter with a balance owing of $0.00. They are still showing account as a charge-off amount due of $404. I have tried disputing it with no positive results.
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