Debt Collection Response Letter

Summary

When responding to a debt collection letter from Portfolio Recovery Associates LLC, you can request verification of the debt, a detailed account statement, proof of their legal right to collect, and a copy of the original purchase agreement. This request is made under the Fair Debt Collection Practices Act (FDCPA). Ensure your letter includes your contact information and account reference number.

Full Conversation

I need a letter in response to a portfolio recovery associates llc on a debt
Aya, here's a general template you can use to respond to Portfolio Recovery Associates LLC regarding a debt collection:
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
Portfolio Recovery Associates LLC
[Company Address]
[City, State, ZIP Code]
Re: [Account Number/Reference Number]
Dear Sir/Madam,
I am writing in response to your recent communication regarding the above-referenced debt. I request that you provide the following information:
*. Verification of the debt, including the original creditor's name and address.
*. A detailed account statement showing how the amount claimed was calculated.
*. Proof that you have the legal right to collect this debt.
Please consider this letter as a formal request under the Fair Debt Collection Practices Act (FDCPA).
Thank you for your prompt attention to this matter. I look forward to your response.
Sincerely,
[Your Name]
---
Let me know if you need any more details or adjustments to the letter.
Can you add in the letter for a original purchase agreement
Sure, Aya! Here's the updated letter including a request for the original purchase agreement:
---
[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
[Date]
Portfolio Recovery Associates LLC
[Company Address]
[City, State, ZIP Code]
Re: [Account Number/Reference Number]
Dear Sir/Madam,
I am writing in response to your recent communication regarding the above-referenced debt. I request that you provide the following information:
*. Verification of the debt, including the original creditor's name and address.
*. A detailed account statement showing how the amount claimed was calculated.
*. Proof that you have the legal right to collect this debt.
*. A copy of the original purchase agreement.
Please consider this letter as a formal request under the Fair Debt Collection Practices Act (FDCPA).
Thank you for your prompt attention to this matter. I look forward to your response.
Sincerely,
[Your Name]
---
Is there anything else you need help with?