Debt Settlement Dispute Guide

Summary

If a debt collector contacts you about a debt that was already settled, respond within 30 days to dispute it. In Iowa, the Fair Debt Collection Practices Act requires debt collectors to provide validation of the debt. Disputes must be in writing. For more information, visit the Iowa Judicial Branch website.

Full Conversation

Not me but my friend received a letter from a debt collector about a debt that was already settled
Did your friend keep any proof of the debt settlement like a receipt or confirmation letter? It's important to have these documents for such situations.
They did but not now as the debt was settled last year
Does your friend have any communication with the debt collector after the debt was settled?

General Information:
- In Iowa, debt collectors must follow the Fair Debt Collection Practices Act.
- For local court information, visit the Iowa Judicial Branch website.
No they just received a letter the mail today about it
Did your friend respond to the debt collector's letter yet? In Iowa, it's crucial to respond within 30 days to dispute the debt.
No not yet as they were told last year that the debt was settled
It's important for your friend to respond to the debt collector's letter disputing the debt. In Iowa, the Fair Debt Collection Practices Act applies:

- Debt collectors must provide validation of the debt.
- Disputes must be in writing within 30 days.

For local court information, visit the Iowa Judicial Branch website: www.iowacourts.gov.
Ok thanks for the info
You're welcome, Justin. If your friend needs further assistance, don't hesitate to contact us.