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.
Debt Validation Letter By Email
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Multi-State
Control #:
US-DCPA-21.2BG
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Word;
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How to fill out Debt Validation Letter By Email?
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FAQ
If you send the collector a Debt Validation Letter they will need to mail you validation of the debt. If you send them a Debt Validation Letter they will need to mail you the name and address of the original creditor.
The key is to be thorough in your request for debt verification. In your letter, ask for details on: Why the collector thinks you owe the debt: Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract.
It should be short, concise, to the point and very clear as to what you want. It's imperative that you say as much as you can with as little text as possible. Remember to include the exact amount owed, the invoice number and the due date.
Debt collectors are legally required to send one within five days of first contact. You have within 30 days from receiving a debt validation letter to send a debt verification letter. Here's the important part: You have just 30 days to respond to a debt validation letter with your debt verification letter.
Debt validation is your federal right granted under the Fair Debt Collection Practices Act (FDCPA). To request debt validation, you must send a written request to the debt collector within 30 days of being contacted by the collection agency.
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Please send me the following information: The address and contact information of the original creditor as well as the account number. You're saying: "This is not my debt.Information pertaining to the creditor that the debt is owed, including their name, physical address, and phone number. Creditors do not have to respond to every debt verification letter sent to them.