Many people don’t know how to deal with collection agency, when collection agency is calling you and demanding money that you own to creditors, you don’t know what to do how to deal with them? You start panic and screaming do not call me and collection agency still calling your home phone and your cell phone and your business phone and asking you to pay what is owns to original creditor. What should you do how should you behave in those situation? Those question brought attention to thousands of people who are victim of collection agency and their practice. You may mercy to them and asking them please do not call and they still call , even more and more often so what is the weapon on them in order to get those phone calls away, and get your good reputation back? Simple you need to challenge credit report agency. First you should ask yourself a question, why original creditor is sending your account to collection agency? Because you have fall behind your payment and you have not pay few month to creditor. Creditors is selling your account ( junk account) or assign your account to 3rd party collection agency such as NCO Financial, FIA Card Services, or any other agency in order to collect money for what you may own to them. First what you should do is challenge them answer a phone calls when they calling to you a politely asking them what is their address so you may send them a correspondence , then send them  a Do NOT Call letter with I attach bellow and Debt Validation Letter with will Validate if those debt belong to you. Collection agency will have to deal with a legal counsel in order to get those document and provide you with those document according to Fair Debt Collection Practice Act, 15 USC 1692g Sec.809(b) you are claim a dispute and validation is require. Once a collection agency receive a dispute letter and “Cease” letter mean do not call they will not calling you any  longer  and start validate those debt. 

Sample Letter:
AmSher
Collection Services, Inc
600 Beacon Pkwy W Ste 300
Birmingham AL 35209-3120

November 12, 2008

Re: Account # 7845872
Dear Collection Representative,
This letter is being sent to you in response to a conversation we had on November 19, 2008. This is not a refusal to pay, but rather a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is not a request for verification or proof of my mailing address. This is a request for validation made pursuant to the above named Title and Section. I request that your office provide me with legitimate evidence that I have any legal obligation to pay you.
Please provide me with the following:

• What the money you claim I owe is for and place of purchase, time, date, and amount
• Provide me with copies of paperwork showing that I agreed to pay what you claim with is a original receipt with my signature
• Provide a verification or judgment if applicable
• Identify the original creditor, address, phone number and their register agent
• Prove the Statue of Limitation hasn’t expired on this account
• Show me that you are licensed to collect in my state
• Provide me with your license number and registered agent

I must also inform you that if any of your offices has reported invalidated information to any of the three major Credit Bureau’s (Equifax, Experian, Trans Union) this action may constitute fraud under Federal and State Laws. If any negative mark is found on any of my credit reports by your company I will have no choice but to seek legal action against your office for the following:
*Violation of the Fair Credit Reporting Act
*Violation of the Fair Debt Collection Practices Act
*Defamation of character
During this validation period, if you take action which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository which could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be documented, considered harassment, and I will have no choice but to seek a legal course of action against your office. All future communications with me must be done in writing and sent to the address noted in this letter by USPS.
Best regards,

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