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Do Debt Validation Letters really work? Yes, they do. When a debt collector receives a Debt Validation Letter, they are legally required to provide validation of the debt. Debt Validation Letter's work best when they include a cease and desist clause that forces a lawsuit.

Yes it does actually work. Collectors rarely actually validate the debt because most of the debts in fact are not valid. Some just back off because receiving a well worded debt validation letter means you have consulted the FDCPA (or at least a good debt/credit forum) and know what you're doing.

In fact, it has been successful in stopping collection activities about 80% of the time. The only time DV will not work is if an assigned debt collector gives the debt back to the original creditor (in which case, you cannot use DV) or if the CA validates the debt with adequate proof.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

? ?7/7/7 Rule?: A debt collector is presumed to violate the FDCPA if the debt collector. places a telephone call to a person. ? more than 7 times within a 7-day period, or ? within 7 days after engaging in a telephone conversation with the person. ?

The 7-in-7 rule explained Collectors are permitted to place a call to the consumer about a particular debt seven (7) times within a period of seven (7) consecutive days, so long as no contact is made with the consumer in any of the attempts.

The debt verification letter is a letter you write and send to the debt collector, disputing the debt (if you truly don't owe it or owe as much as the collector says you do). You'll also send this letter via certified mail with a return receipt request so you have a record of your communication back to the collector.

I am responding to your contact about a debt you are attempting to collect. You contacted me by phone/mail, on date. You identified the debt as any information they gave you about the debt. Please stop all communication with me and with this address about this debt.

But what must the creditor provide by way of documentation? At a minimum, it must produce: A copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by you.