Letter updating a personal file
Proof should include a written document with your name, the name of the creditor and the amount you owe.
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If you receive a summons to appear in court after you disputed the debt in writing, you’ll still want to go to court.
When you do, make sure you bring a copy of the letter you sent the collector disputing the debt.
Although this may be frustrating to you, it is not a violation of the law.
The collector is allowed to negotiate its own terms, but the collector may not make any false statements or use misleading ways to collect a debt from you.
You can tell the judge the collector did not send you proof of the debt.