I don't mean to appear stupid, and I understand the general concept, however, what is the actual purpose of sending a letter of validation to a collection agency? Is it to delay any court proceedings? And what if the collection agency is unable to provide you with all the information you request? Are they obligated under law to do so? And once you receive all the information (if you do), what purpose will it serve you, other than the obvious. I just want to completely understand. Thank you. :)