Best Debt Validation Letter

Don’t be frightened out when a debt collector calling you because not all the debt collector is try to collect a legitimate debt of yours. Today, people do some deception to get fast money and they can pretend to be legitimate debt collector. You know a fake debt collector sometimes rick the consumer to pay unreal debt or even a debt that have been paid. Thus, you should not be panic.

You have a right to request a debt validation letter to ask a proof from the debt collector whether you owe the debt or not. It is a great idea to avoid untruth debt collector. You don’t want to pay a debt that you never owe or even pay a debt that the debt collector isn’t authorized to collet, do you? Be careful!
Why we need to send a ‘Debt Validation’ letter?
  • Well, you may know that it is legitimate and the debt is yours, but when you cannot pay it directly or soon, you will lose negotiating power. Then you will in trouble.
  • You know that the debt is yours, but are you sure that that the debt collector is legitimate? Find a legitimate debt collector to repay your debt.
  • Next, you may owe the debt but it is in the statute of limitations. Then, when you are confirming it directly, it may restart the clock on the statute of limitations.
  • However, you may not sure about it. It can be a mistake and you should make sure before you repay the debt and when you are sure that the debt is not yours, it is a totally mistake or even instance of fraud.

How to write the ‘Debt Validation’ Letter?

Indeed, you need to send the letter by certified mail because you can have the proof when the letter is sent and received. When you are writing the validation letter, you need to mention how the debt collector contacted you including the method. Provide that you are asking for the validation of the debt.

Be careful! You should not admit that you are the owner of the debt or even tell that you want to make a payment. It will drive you in bigger trouble if the debt is not yours or the debt is in the statute of limitation. Well, you can use any template or make your own template by seeing this simple example of debt validation letter:

Best Debt Validation Letter


XX Debt Collector Company
Money St. 1234 NY
March 13, 2009
Re: xxx090-0000
This letter is being sent you to in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested.
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
I ask you to provide the following information:
  1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692 (f) in this alleged matter.
  2. What is your authorization of law for your collection of information?
  3. What is your authorization of law for your collection of this alleged debt?
  4. Please evidence your authorization to do business or operate in this state.
  5. Please evidence proof the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
  6. Please provide a complete account history, including any charges added for collection activity.
You have thirty (30) days from receipt of this notice respond. Your failure to respond, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.
For the purposes of 15 USC 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election or waiver of status.

Regards,



Dean North
12 YYY St, NY 12099

Debt Validation Letter After 30 Days

Debt Validation Letter After 30 Days
Debt Validation Letter After 30 Days

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Debt Validation Letter To Original Creditor
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 Debt Validation Letter Response

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Debt Validation Letter To Credit Bureaus Pdf 

Debt Validation Letter To Credit Bureaus Pdf
Debt Validation Letter To Credit Bureaus Pdf

Debt Validation Letter To Credit Bureaus 

Debt Validation Letter To Credit Bureaus
Debt Validation Letter To Credit Bureaus 


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