What should I do if I receive a debt collection notice and want to dispute the validity of the debt?

If you receive a collection notice and want to formally dispute the validity of the debt, you must do so within 30 days from the time you receive the notice from the debt collector. If you want to use a form letter for debt verification or debt dispute, you can easily find one online. I recommend that you send any dispute letters via certified mail, and you should be sure to keep a copy for your records.