Pursuant to 15 USC 1692g (Sec. 809 of the Federal Debt Collection Practices Act), a debtor is allowed to challenge the validity of a debt that a collection agency states you owe to the creditor they represent. Use this form letter requires that the agency verify that the debt is actually the alleged creditor's and owed by the alleged debtor.
Collection Agencies You Owe For Find Debt
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How to fill out Letter Requesting A Collection Agency To Validate A Debt That You Allegedly Owe A Creditor?
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FAQ
Debt collectors are legally obligated to send you a debt validation letter. If you don't receive a debt validation letter, or it lacks detail, you can make a debt verification request. You can file a complaint with the Consumer Federal Protection Bureau or the Federal Trade Commission.
On the other hand, here's what you shouldn't do. Don't give a collector any personal financial information, make a "good faith" payment, make promises to pay, or admit the debt is valid.
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.
In the worst-case scenario, the agency will try to garnish your wages or seize your property. These extreme actions are only possible, however, if the contract you signed with the original creditor and state law allow for them.
You can tell if a debt collector is legitimate by requesting they provide their information, including their license number, so you can confirm it. You can also ask for a validation notice, which debt collectors are required by law to send to you.