Hello,

I have been contacted by a debt collector regarding an unpaid credit card balance. I accrued this debt while living and working in the US (Michigan). I now live in Vancouver, Canada. I am a dual citizen.

I want to dispute the debt. The notice says I have 30 days to respond ("upon your written notification to this office within 30 days from receiving this notice ...").

I have been reading on the internet that some people have been disputing the validity of credit card debt based on the idea that it is based on fraudulent banking practices - something to do with fractional banking - and winning their cases because the banks fail to produce proof of the debt or something like that.

Can anyone suggest a way for me to dispute this debt along these lines? And how would I dispute a US debt from Canada?

Thank you.

Are you disputing the debt because you feel you don't own the debt, or because you don't want to pay what you owe?

Quote:

---

Originally Posted by Hazelwood1

Hello,

I have been contacted by a debt collector regarding an unpaid credit card balance. I accrued this debt while living and working in the US (Michigan). I now live in Vancouver, Canada. I am a dual citizen.

I want to dispute the debt. The notice says I have 30 days to respond ("upon your written notification to this office within 30 days from receiving this notice ...").

I have been reading on the internet that some people have been disputing the validity of credit card debt based on the idea that it is based on fraudulent banking practices - something to do with fractional banking - and winning their cases because the banks fail to produce proof of the debt or something like that.

Can anyone suggest a way for me to dispute this debt along these lines? And how would I dispute a US debt from Canada?

Thank you.

---

You said you owed it why would you dispute?

Dispute the debt in writing, they will have to provide you with copies of the alleged debt showing you are respondible for the alleged debt.

Demand they produce the original contract you signed. No contract, No debt.
They must have the original contract in their possession.

If you don't dispute it the debt is consider valid and they will sue.