How do you dispute a debt?

Consumers can dispute a debt by contacting the collection company in writing disputing the validity of the debt and requesting copies of applications, bills and any other documentation to validate the debt, states Protecting Consumer Rights. Consumers should send dispute letters via certified mail, advises Bankrate.

If the consumer disputes the debt within 30 days of initial contact by the debt collector, the collector must stop all collection activities until they provide proof that the debt is owed by the consumer, according to the Consumer Financial Protection Bureau. Consumers may still dispute a debt if more than 30 days have passed, but the collection agency is not required to stop collection efforts while they investigate the claim.