Not every debt collector will contact you with a legitimate debt. Some may seek to have you pay an overdue or already paid debt. In some cases, the debt is not real, or the collector is not licensed to collect in your state. This is where a debt validation letter comes in. Under federal law, you have the right to seek verification for a debt before paying it.
The Fair Debt Collection Practices Act (FDCPA) does not protect you if you seek validation for debt over the phone. This is why you should draft a letter and send it to the debt collector. Once you do this, the collector is required to cease all collection efforts until they provide validation.
Here is what you should know about drafting a Debt Validation Letter for Debt Collectors.
What Should You Include in Your Letter?
A debt validation letter protects you from paying an unverified debt. If you have any doubts concerning a debt notice, use your letter to request the following within 30 days of receiving the notice:
- Proof that you are the debtor
- Proof of the debt.
- Prof that the debt collection currently holds the debt
- The amount owed and account number
- Name and address of the original creditor
- Copy of a legal contract obligating you to pay the debt
- A statement showing that the debt is within the statute of limitation
- The debt collector’s license information
Debt Validation Letter for Debt Collectors (Format)
{Date}
{Debt Collector Name}
{Debt Collector Address}
{City, State, Zip Code}
Re: Debt Validation for Account {Account Number}
Dear Sir/Madam,
This letter is in response to the {phone call/letter} I received from you on {date}. You mentioned that I owe the {original creditor’s name} {amount} in {nature of debt}. Under the Fair Debt Collection Practices Act (FDCPA), I have the right to seek the verification of this debt.
Pursuant to this right, I am writing to request the following details:
• The name, contact information, and address of the original creditor
• The account number
• The amount owed
• Verification that you are licensed to collect this debt in my state
I would also like details about the age of the debt and a copy of the last billing from the original creditor. Kindly provide proof that the debt within the statute of limitations.
I plan to ignore any future collection attempts until I receive a debt verification notice from your agency. This is in accordance with my rights under the FDCPA.
I will also be forced to take legal action against you if you continue supplying invalidated information to the {credit bureau name}.
You can reach me at {email address}. I look forward to resolving this matter without incidence.
Thank you for your time and compliance.
Sincerely,
{Your Name}
{Your Signature}
Debt Validation Letter for Debt Collectors Sample
6 October 2020
Ripley Credit Agency
123 Main St.
Los Angeles, CA 23359
Re: Debt Validation for Account 12356G
Dear Sir/Madam,
I am writing in response to the debt notice I received from your agency on 1 October 2020. According to the correspondence, I owe a debt of $5,900. I am requesting validation for this debt, as is my right under the Fair Debt Collection Practices Act (FDCPA).
Until I receive validation for this debt, I urge you to cease any attempts at collecting the debt or contacting me. I would also advise that you have the debt removed from my credit report until it is validated.
I will consider the debt validated when I receive the following information from you in writing:
• The name, contact information, and address of the original creditor
• The account number
• The amount owed
• Verification that you are licensed to collect this debt in my state
Kindly provide proof that the debt is within the statute of limitations and that you are authorized to collect in my state. Please know that I will turn to litigation if my rights are infringed upon.
Thank you for your time.
Sincerely,
Alexander Graham
Debt Validation Letter for Debt Collectors (Word Template)
The FDCPA obligates a debt collector to send you a written debt validation notice within five days of their first communication. If they don’t, you have the right to request validation within 30 days of the first contact. The debt collector must then cease collection efforts until they have provided proof.
In your Debt Validation Letter for Debt Collectors, you must mention all the information you would like sent to you. You should also mention your rights under the FDCPA and request that the collector have the debt removed from your credit report until they can verify it.
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