Debt validation letters are formal written requests sent to a debt collector to verify the debt they claim you owe. Here’s how to get one and use it.

Debt collectors have a legal obligation to send a debt validation letter if requested. If they don’t, you can request that they stop contacting you altogether.

Do ensure that you keep all communications and correspondence with the debt collectors in writing. Professionally talk to ...

You also have the option to send a debt validation letter requesting proof that you owe the debt and that they have the right to collect it within 30 days of first being contacted by a collector.

A debt validation letter is the document sent by a collection agency, showing that the debt exists and you are responsible. As a consumer, you might send a debt verification letter when a ...