[Jerseee]

Dattwing,

If you read the letter closely (I bet) they are asking to represent you. that is why they are asking you to do a dispute.

Ricky is on the right path with his suggestion. But Ice's suggestion may be the one you need.

Do some critical reading and forget how you have been taught to read. read that letter. analyze it and figure out what they are saying to you.

For example, if you 'allegedly' owe them $XXX.XX, then why are they asking you to do a dispute? Why do they need youto do a dispute if you owe?

The purpose of a dispute is to get you to give them jurisdiction and represent you--not your interests. So when you do a dispute--you are in effect disputing the terms of the agreement--not the agreement itself.

Write them and ask for certified verification of the allleged debt. If they can prove it--you will tender payment immediately upon proof of their claim. If they cannot prove their claim--you will be filing a lawsuit against them for fraud and harassment according to the Fair Debt Collection Practices Act.

Copies of a document does not mean it is valid--you need to see the original contract/agreement with the original signatures. And you may gently remind them that it is a felony to purchase debts and/or evidence and try to collect on those debts.

A simple letter stating these things may get you a response that will make you laugh.

Keep us posted and have fun