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.

Both the letter you send to a debt collector and the letter the collector sends back may be called either debt verification letters or debt validation letters. There is no strict labeling protocol.

The validation notice should state the debt collector’s mailing address. If it doesn’t, contact the collection agency directly to find out where to send your verification letter.

A call from a collection agency or debt collector isn’t enough proof. You can send a debt verification letter to a collection agency or debt collector requesting they provide proper documentation to ...

Debt collectors must provide a debt validation letter to confirm details of the debt, including the amount. Don't act until you have your validation letter.

Debt validation letters, cease-and-desist letters, constant credit monitoring — if all this seems like too much for you, you should consider hiring professional help.

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.

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 ...

Debt validation letters, cease-and-desist letters, constant credit monitoring — if all this seems like too much for you, you should consider hiring professional help.

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.