I was contacted by a collection company stating that I owe an account from 1998-2000 on a phone bill for $768 in Florida. I stated that I need to see proof of this. They sent me an incomplete copy of a phone bill without it being itemized. At this point I don't even know if this is a accurate bill. I would like to know how I can dispute this and ask what is the legal time frame of collecting a debt (if this is mine). It has been almost 10 years and I don't recall any of this.

Did you have a phone in your name in Florida at this time? It would help to know if your disputing the amount or the fact that there even was a phone in your name.

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Originally Posted by ANGEL4JUJA

I was contacted by a collection company stating that i owe an account from 1998-2000 on a phone bill for $768 in florida. i stated that I need to see proof of this. they sent me an incomplete copy of a phone bill without it being itemized. at this point I dont even know if this is a accurate bill. I would like to know how I can dispute this and ask what is the legal time frame of collecting a debt (if this is mine). It has been almost 10 years and I dont recall any of this.

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Via certified return receipt mail, send them this:

. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. I do not believe this is my debt.

Please provide me with the following:


• What the money you say I owe is for;
• Explain and show me how you calculated what you say I owe;
• Provide me with copies of any papers that show I agreed to pay what you say I owe;
• Provide a verification or copy of any judgment if applicable;
• Identify the original creditor;
• Prove the Statute of Limitations has not expired on this account ( 7 years)
• Show me that you are licensed to collect in my state
• Provide me with your license numbers and Registered Agent