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.

You have two tools you can use to avoid making an expensive mistake: – The debt validation letter the debt collector is required to send you, outlining the debt and your rights around disputing it.

What is a debt validation letter? The debt collector has five days from initial contact to provide information about the debt in writing — also known as a debt validation letter.

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.

Debt collectors must send a debt validation letter within five days of first contact. Learn what you need to know about debt validation letters.

Only when they asked the debt collector for a debt validation letter to prove that they own the debt, they were hung up on. That, frankly, raises a red flag.

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 ...

A debt validation letter is one way to check for mistakes and demand the collection agency remove them from your credit history.

By sending your debt validation letter within 30 days, you’re asking for this additional documentation, and the agency must stop collection activity while it works to validate your debt.