Texas Letter to debt collector seeking verification of a debt in response to their validation letter

State:
Multi-State
Control #:
US-DCPA-21
Format:
Word; 
Rich Text
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Description

Within 5 days after a debt collector first contacts you, they must provide you a written notice containing: (a) the amount of the debt, (b) the name of the creditor, (c) a statement that the debt collector will assume the debt's validity unless you dispute it within 30 days of receipt of the notice, (d) a statement that the debt collector will send a verification of the debt or copy of the judgment if you dispute the debt within the 30 day period, and (e) a statement that the debt collector will identify the original creditor upon written request within the 30 day period if different from the current creditor.

Use this form to help you respond to a debt collector's validation letter. You can respond by disputing the debt or any portion of it, asking fthe debt collector to verify the amount or validity of the debt, or request the name and contact information of the original creditor.

If you respond in writing within the 30 day period, the debt collector must stop attempting to collect the debt, or any disputed portion, until they verify the debt and mail you a response.

This form also also includes follow-up letters in the even the debt collector does not respond or continues attmpting to collect the debt after you requested verification.

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  • Preview Letter to debt collector seeking verification of a debt in response to their validation letter
  • Preview Letter to debt collector seeking verification of a debt in response to their validation letter
  • Preview Letter to debt collector seeking verification of a debt in response to their validation letter
  • Preview Letter to debt collector seeking verification of a debt in response to their validation letter

How to fill out Texas Letter To Debt Collector Seeking Verification Of A Debt In Response To Their Validation Letter?

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FAQ

Dear Debt collector name, I am responding to your contact about collecting a debt. You contacted me by phone/mail, on date and identified the debt as any information they gave you about the debt. I do not have any responsibility for the debt you're trying to collect.

A debt verification letter doesn't have to say anything fancy. Just state that you're responding to a collection effort, you don't recognize the debt, you are demanding they prove you owe it and, if they can't, to stop contacting you. That's it.

The debt dispute letter should include your personal identifying information; verification of the amount of debt owed; the name of the creditor for the debt; and a request the debt not be reported to credit reporting agencies until the matter is resolved or have it removed from the report, if it already has been

Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA. You can report a debt collector's failure to respond to your state's attorney general, the Consumer Financial Protection Bureau (CFPB), or the FTC.

Format the letter thusly: Your full name and address. The collections agency's name and address. A request for the amount of the debt claimed to be owed. A request for the name of the original creditor. A request for the judgment information (if applicable) A request for proof of the company's license.

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 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.

Section 1006.34(b)(5) defines the validation period as the period starting on the date that a debt collector provides the validation information required by § 1006.34(c) and ending 30 days after the consumer receives or is assumed to receive it.

What should I do when a debt collector contacts me?Identity of the debt collector, including name, address, and phone number.The amount of the debt, including any fees such as interest or collection costs.What the debt is for and when the debt was incurred.The name of the original creditor.More items...?

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.

More info

Verification Letters ? One of the requirements of the FDCPA is that the debt collector in question send you a debt verification letter. This means that they ... 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 ...The federal Fair Debt Collection Practices Act (FDCPA) gives you many rightsHow to Write a Cease and Desist Letter for Debt Collectors. 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 ... This information generally entails sending a debt validation request on your "valid" debts prior to communicating with the debt collector who is attempting to ... Creditors do not have to respond to every debt verification letter sent to them. Under the FDCPA, if a collector contacts you about a debt, you ... Debt Validation Letter · The amount of the debt; · The creditor you owe the debt to; · Notice that if you don't dispute the debt within 30 days, ... Fill in your information on the template letter and edit it as needed to fit your situation. 3. Print and mail the letter. Keep a copy for your records. Debt verification, sometimes also called "debt validation," is a consumer's legal right to get information from a debt collector about the debt that's being ... You may owe a debt, but you still have rights. And debt collectors have to obey the law. If You Owe Money Creditors don't want to bring in a debt collection ...

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Texas Letter to debt collector seeking verification of a debt in response to their validation letter