As a matter of fact, it isn't going to give you much of anything other than how much you owe – a fact any debt collector would have been more than happy to scream at you over the phone. For instance, you will write a different letter if you believe the debt is not yours versus if you simply need more information before you can figure that out. If you've verified that the debt collector is legitimate and is authorized to collect on the debt, it's time to find out the status of the debt itself.

2. The letter you write will depend on your response to the debt validation letter. The letter you write will depend on your response to the debt validation letter. Checking into who the original creditor is might help you decide whether you have grounds to dispute the debt. The term debt validation letter refers to a letter that an individual sends to their creditor or collection agency requesting proof that the debt in question is valid and not outside the statute of limitations for collecting the debt. For instance, you will write a different letter if you believe the debt is not yours versus if you simply need more information before you can figure that out. Under the FDCPA, debt collectors (collection agencies or CAs) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. debt, and there is some contractual obligation that is binding on me to pay this debt. Nor does the collector have to stop collection activity on the account. debt, and there is some contractual obligation that is binding on me to pay this debt. (15 U.S.C.

This letter is being sent to you in response to: Check One (1) ☐ - Notice sent to me on _____, 20___. However, the debt collector isn't legally required to respond to your validation request. Calling the collection agency directly isn’t recommended because your rights aren’t necessarily protected.

You can: Confirm or deny that the debt is yours; Explain why you should not … The automated debt validation response that you're likely to receive from a collection agency isn't going to give you any details. How to Write a Debt Validation Letter In the letter, reference the date of the initial contact and the method, for example, "a phone call received from your agency on April 25, 2019." When Debt Validation Can Help. As a matter of fact, it isn't going to give you much of anything other than how much you owe – a fact any debt collector would have been more than happy to scream at you over the phone. Sample letter to request debt validation. So long as you send your verification letter within 30 days of receiving your validation letter from the debt collection agency, the debt collector is required to send you written verification of the debt, such as a copy of a bill for the debt or a copy of a judgment. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. Again, collectors are required to provide a debt validation letter to you. Again, collectors are required to provide a debt validation letter to you. You also need to provide a statement that you're requesting validation of the debt. Check the status of the debt. If you receive notice of a lawsuit, make sure your response is timely—the deadline might be different than the 30-day deadline to request verification of the debt. As soon as you hear from the debt collector for the first time, you must submit your debt validation letter within 30 days. What to expect after you receive a debt validation letter.

The debt validation letter is sent by a consumer to verify a debt by providing evidence of the claim.The right to know how the debt was incurred is guaranteed to all consumers through the Fair Debt Collection Practices Act. The automated debt validation response that you're likely to receive from a collection agency isn't going to give you any details. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter.

Given below is a sample letter: Insert date here.
Technically, you can send a debt validation letter after the 30-day validation period.

Sample Debt Validation/Verification Letters. Wait for the debt validation letter.