A debt validation letter is a notice debt collectors must send to help you determine that a debt actually belongs to you. Many, or all, of the products featured on this page are from our ...

However, a debt validation letter is different. This is a document sent by a collection agency, showing that the debt exists and you are responsible. A call from a collection agency or debt ...

The Fair Debt Collection Practices Act (FDCPA ... are required to send you a written notice, often called a "validation notice," within five days of their first contact with you.

The following strategies can be particularly effective if your goal is to get debt collectors to cease their communication attempts: ...

In this article, we share a timeline of our monthly "bites" for 2024 applicable to debt collection practices. Like 2023, the theme of 2024 was ...

If you need to contact a collection agency to dispute a debt, request a debt validation letter or ask the collection agency that all communication be in writing, use these templates on Consumer.gov.

If you receive a collection notice for an old debt ... make any payments until you verify the legitimacy of the debt. Request debt validation from the collector and check whether the statute ...

"The first step is to verify the debt's authenticity by requesting a validation letter from the collection agency, which provides detailed information about the debt," says Brown. "If they cannot ...