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How to Request Debt Verification. To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.
Debt collectors have a certain number of years they can sue you and win to collect a debt. It's called the statute of limitations and it usually begins when you fail to make a payment on a debt. In South Dakota, the statute of limitations is six years.
Step 1: Identify the Discrepancy Step 1: Identify the Discrepancy. Before you can dispute an account, you need to identify the issue. ... Step 2: Gather Supporting Documents. ... Step 3: Contact the Merchant. ... Step 4: Initiate the Dispute. ... Step 5: Follow Up.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for ?verification? or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec.
To verify a debt collector, ask them to provide: Their name. Company name. Company street address. Telephone number. Professional license number, if your state licenses debt collectors.
How to Request Debt Verification. To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.
Don't provide personal or sensitive financial information Never give out or confirm personal or sensitive financial information ? such as your bank account, credit card, or full Social Security number ? unless you know the company or person you are talking with is a real debt collector.
A debt validation letter in Canada is a document that proves a debt is valid, states how much you owe and confirms it's within the statute of limitations for collection. You can also request that collection calls stop and all further communication with you from the agency be in writing.