Debt validation letter instructions

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Debt Validation Letter Template

A debt validation demand letter is sent to a collection agency after the sender receives notice of a debt from them. The letter requests the agency to deliver additional documentation and creditor information to the sender and may also dispute the debt. By disputing the debt and requesting validation, the sender can delay the collection process.

The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair, abusive, and deceptive practices from collection agencies.

Under § 809(b) of the FDCPA, a consumer who receives a notice of debt from a debt collection agency has 30 days to dispute the debt and request information regarding it. To do so, the consumer must send a debt verification letter challenging the debt and/or demanding validation.

The debt validation letter should ask for documents and information such as:

  • The original creditor’s name and address
  • A copy of any Judgment related to the debt
  • The debt amount and the date it became delinquent

While the disputed debt is being validated, the agency must cease all collection activities and communications with the consumer. If they don’t respond to the letter, the debt may be considered invalid.

How to Write

A debt validation letter should include the following:

  1. Sender Information – The consumer’s name and address.

  2. Date – The date the letter is being drafted.

  3. Collection Agency Information – Collection agency’s name and address.

  4. Debt Account Number – If known.

  5. Notice of Debt – The collection agency contact date and method.

  6. Statement of Dispute – A statement that the consumer is disputing the debt.

  7. Demand for Validation – A list of documentation requested by the consumer.

  8. Signature – The consumer’s signature.

Once complete, the letter should be sent by certified mail to the collection agency.