Complaint Letter to Collection Agency (TN)

If you would like a collection agency to stop contacting you, you can use this letter to tell them that:

• You do not owe the debt
• The debt is not yours
• You are unable to make any more payments
• You want them to contact your lawyer
• You need more information

If you are unable to pay a debt, the Fair Debt Collections Practices Act and applicable state law may prohibit collection agencies from contacting you directly to get you to pay the debt. Before using this letter, you should be sure that your particular circumstances are protected by these laws. Here is a link to frequently asked questions regarding the Fair Debt Collections Practices Act: https://www.consumer.ftc.gov/articles/debt-collection-faqs.