Debt Validation Sample Letter to request for validation of debt

Under the FDCPA, you have the right to ask for validity of the debt that the collection agency says you owe to them. You'll need the Debt Validation Letter in order to challenge the validity of the alleged debt. Given below is a sample debt validation letter for you to understand how to request in writing for validation of debt.

The Letter
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Your Name
Your Address
Your Phone #

Creditor's Name
Department
Creditor's Address

Date

Dear Sir or Madam,
Re: Account Number

This is to inform you that I've recently pulled my credit report and noticed that there's a collection listing from your agency on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me.

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.

I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you cannot continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission (FTC) and other state/federal agencies.

Please attach copies of the following documents:

Agreement with your client that authorizes you to collect on this alleged debt.
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.
Complete payment history on this account, to prove that the amount you wish to collect is accurate.

Sincerely,
Your Signature
Your Name

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Debt Validation by Anonymous on 01 Nov, 2012

Debt Validation Sample Letter to request for validation of debt by Anonymous on 01 Nov, 2012

http://www.debtconsolidationcare.com/letters/sample6.html by Anonymous on 12 Aug, 2012

Debt Validation Sample Letter to request for validation of debt by Anonymous on 12 Aug, 2012

testing.... by Anonymous by Anonymous on 09 Jun, 2012

testing.... by Anonymous on 22 Mar, 2012

I would request certified copies of all assignment, transfer, and sale agreements applicable to the contract in question.... This gives you an idea of whether or not they will provide this for future court action. The debt colloctor probably will not give up this information because it limits their ability to collect on the full amount of the debt and probably includes other debt that they bought at the same time. Remember plaintiff damages are limited to real or actual damages only. by Anonymous on 06 Feb, 2012

This is constructive notice that, until you validate within 30 days and absent the validation of your claim, you must cease and desist any and all collection activity and are prohibited from contacting me, through the mail, by email, by telephone, in person, at my home, or at my work. You are further prohibited from contacting, my employer, my bank, or any third party. You are further put on Notice that all phone calls will be recorded any thing you say can and will be used against you in a court of law. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy and are also barred from reporting any derogatory information to any Credit Reporting Agency, regarding this disputed purported debt. by Anonymous on 06 Feb, 2012

" Agreement with your client that authorizes you to collect on this alleged debt." The debtor is not entitled to this information.....nowhere in the FDCPA is this required to be provided. You are not party to this contract. by SOAPLADY on 28 Jun, 2011

this is awsome by Anonymous on 25 Apr, 2011

debt free from debt burden? by Anonymous on 07 Apr, 2011