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Although you can ask for many details, debt collectors are only required to provide information on the original creditor, the balance owed and the name of the person who owes the debt before resuming collection efforts.
Send the agency a letter by mail asking them to confirm their debt in writing. Search for the company name on the internet, review their website, call their number, etc. Do your homework. If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam.
It's generally easier for first-party creditors to prove you owe a debt. They simply produce the original credit agreement that shows your name and identifying information, like your address and Social Security number.
If you feel you've been contacted in error, send a letter disputing a debt in writing. Ask the agency to stop contacting you. If the agency can't provide proof, you owe the money, by law, they must stop collection efforts.
A debt validation letter should include the name of your creditor and how much you owe, The letter will include information about when you need to pay the debt and how to dispute it.
Here's the important part: You have just 30 days to respond to a debt validation letter with your debt verification letter. If you don't dispute the debt within 30 days, the debt is assumed valid. That means the debt collector can continue to contact you. You can still send a dispute after 30 days.
While debt validation requests can be a useful tool, they are not effective at resolving the issue. In most cases, creditors and collection agencies are able to provide the necessary documentation to prove the validity of the debt.
Generally, you should send a debt validation request if you're contacted by a collection agency and you don't recognize the debt. Send a validation request within 30 days of receiving contact from a collection agency, otherwise, they'll assume the debt is valid and can legally continue to contact you about it.