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Consumer

Object to a debt collection claim

Reject the claim and demand full proof — in writing, with a deadline you can prove.

Sender

Recipient

Content

674 characters · 1 of a maximum of 3 pages

Collection agencies may pursue debts, but only if they can show the claim exists and was validly assigned to them. A written objection forces the agency to produce the contract, the assignment and a breakdown of its fees. In many cases the requested collection costs are inflated and cannot be recovered at all without proven default.

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Frequently asked questions

Do I have to pay the collection fees?
Only if the creditor proves you were in default and the costs were necessary — inflated fees are frequently unrecoverable.
What if the agency does not respond?
Complain to the supervisory authority at the state ministry of justice, which registers collection agencies in the legal services register.

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