Demand removal of debts caused by identity theft and stop collection harassment. This template is customized for Ohio residents with relevant state law citations.
Ohio Legal Requirements
Your demand letter should reference Ohio-specific laws including FDCPA.
- FDCPA
- Ohio Consumer Sales Practices Act - ORC § 1345
Next Steps if They Ignore You
If your demand goes unanswered, you can escalate to Ohio small claims court or file a complaint with Ohio AG / CFPB.
The Debt Collection Playbook
Proof is Power
Contracts, invoices, texts, emails… gather all evidence of the debt.
Time is Your Ally (and Their Enemy)
Interest accrues. Late fees may apply. The longer they wait, the more they may owe.
Track Every Penny
Principal, interest, late fees… don't miss a dollar.
The Debtor's Options
Many states allow you to recover collection costs, including attorney fees in some cases. Know your rights.
Identity Theft Collections FAQs for Ohio
What laws protect me in Ohio for identity theft collections?
Ohio consumers are protected by FDCPA and Ohio Consumer Sales Practices Act - ORC § 1345. Your demand letter should reference these specific statutes.
What is the small claims limit in Ohio?
The small claims court limit in Ohio is $6,000. If your dispute exceeds this amount, you may need to file in a higher court.
How long do I have to file a claim in Ohio?
Deadlines vary by claim type. Generally, you should send your demand letter as soon as possible after the dispute arises.
Create Your Ohio Demand Letter
Generate a professional identity theft collections demand letter tailored for Ohio. Our free tool includes relevant state law citations.
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