Debt collector’s name Debt collector’s address. Call to get a free credit summary and talk to a credit repair specialist today!. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. There are two versions of the debt validation letter. Section 809(b) “Validation of the debt” requires debt collectors obtain verification of the debt from the creditor and mail it to the consumer. Debt collector response sample letter. You can find sample debt validation letters you can use on the Consumer Financial Protection Bureau website. Read the background below. Use this letter and the following form to make the agency verify that the debt is actually yours and owed by you. 3. Insert your name here Address City, State, Zip. Debt validation letter sample. If the debt is yours, you need to pay it off. A debt validation letter is the tool you use to do this. This document contains information about the debt you owe, name of creditor, and date of the debt. This letter is being sent in response to a [written notice or phone call] on March 2021. To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on [INSERT DATE HERE]. Sample Debt Validation Request Letter Your Name Your Address City, State, Zip Code. Name Of Credit Bureau Address Of Credit Bureau City, State, Zip Code. When the debt collector receives the debt validation letter, they must stop all attempts to collect the debt until they have issued this proof. However, the debt collector isn't legally required to respond to your validation request. 2. Replace the bolded items with your personal information and edit the [square brackets] as required. Debt Validation Sample Letter Date To: (Name of the Collections Agency) Address: (Address of the Collection Agency) Account # 123456787 From: (Your Name) Address: (Your Address) Delivery Confirmation #: 0000 0000 0000 0000 Dear Collection Agency, Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. Here is a sample debt validation letter which will help you to ask for debt validation. See Chapter Three for information about medical debt. Please supply the information below so that I have all information: Why you think I owe the debt and to whom I owe it, including: Your name Your address. Nor does the collector have to stop collection activity on the account. To Whom It May Concern: I am writing this letter in response to the phone call/letter received from you on (Date). This is legal speak for proving you really do owe the money. How to use this sample letter: 1. This is not a refusal to pay, but a request for debt validation. Re: Your account number. DATE. It is based upon the rights conferred by Federal Fair Debt Collection Practices Act (i.e. which extends those FDCPA requirements to the creditor as well as the debt collector. You contacted me by [phone/mail], on [date] and identified the debt as [any information they gave you about the debt]. Federal law gives you 30 days to request the collection agency to validate your debt. Download FREE pdf version of sample letters - pay for delete, debt settlement, good will, cease and desist, debt validation, expired sol notification, wage assignment revocation, removal of inquiries, alternative payment plan, and debt verification. Regardless of which debt validation letter you use, please follow my advice: Do not copy either of the letters verbatim. If you feel your debt isn't valid, and this information doesn't apply to you, then you should send a Debt Validation Letter. By Ryan Greeley. Your Name Your Address. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. Sample Debt Validation Letter. Although these two letters have similar names and content, they do have some key differences. Not every debt collector follows the law. We’ve put together some facts to help you get the information you need to validate your debts. Technically, they are 2 different things: A debt validation letter in the truest sense comes from the debt collector. 73 P.S. Sample Debt Validation Letter To Credit Bureaus. Debt validation letters and verification letters are two examples. Delete any parts that don’t apply to you. Date. Second Debt Validation Demand Letter: If a lender or debt provider have failed to produce a validation report for the debt and meet the needs of the debtor, then a second debt validation demand letter must be sent by the debtor. Sometimes you’ll see the terms “debt validation letter” and “debt verification letter” used synonymously, and here’s where it gets a little confusing. This letter could be useful, as an example, for a consumer who might not immediately recognize the debt as their own or for people who need to discover more regarding the debt till they pay it. DATE Name of Collection Agency Address of Collection Agency City, State, Zip Code Re: Give Account Number Here To Whom It May Concern: This letter is in response to a notice of debt I received from you on DATE. Writing a Debt Validation Letter. When a debt collector contacts you about an unpaid debt, your first order of business should be to obtain a debt validation (DV) letter. I do not reject to provide with the debt amount. However, you may want to read this article so you may educate yourself for the future. Debt Validation vs Debt Verification Letters: What is the Difference? Appendix C: Sample Letter to Collection Agencies Regarding (Alleged) Medical Debt This content is slightly modified from Carreon and Associates. Under the Fair Debt Collection Practices Act (FDCPA), collection agencies are required to provide proof that the debt is legitimate, that the debt is legally yours and that the collector has the right to collect on behalf of the original creditor. Sending the Debt Validation Letter: Keep Good Records! Debt Validation Letter Sample [Your Name] [Your Address] [Your City, State, Zip Code] [Date] [Debt Collector’s Name] [Address] [City, State, Zip Code] Re: [Account Number] In response to the [letter/phone call] I received from your agency on [date], I am requesting that you provide validation of this debt. Simply copy this text into your favorite text editing software, or download a text version of it from this link. To exercise the rights given to you by the FDCPA, you should send your validation letter within 30 days of receiving a debt validation notice. https://www.docformats.com/debt-validation-letter-for-debt-collectors The letter is to inform the lender about the possible self-executing contract which will be created due to the negligence of the request. However, because the 30-day period has expired, the debt is assumed valid and the collector can still come after you for payment before they respond to your letter. After all, this is where the rubber meets the road in Baby Step 2. Sample Debt Validation Letter for Medical Bills. You can take advantage of this letter as is, simply alter the relevant particulars. Sample Debt Validation Letter Consumer’s Name Consumer’s Address City, State, Zip Code DATE Name of Collection Agency Address of Collection Agency City, State, Zip Code Re: Give Account Number Here To Whom It May Concern: This letter is in response to a notice of debt I received from you on DATE. Name of CA Address of CA Date: Re: Your Account No: Dear Sir/Madam, I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. What to Do After Receiving a Debt Validation Letter. § 2270.1, et seq.) Fill in your information on the sample letter and edit it as needed to fit your situation. Wrongful debt collection happens as often as you think. Given below is a sample letter: Insert date here. You can use and send the following debt validation letter via certified mail to make the CA validate the alleged debt. You can also try this letter.Confused about how to use this form - read our article on the debt validation technique.Feeling overwhelmed by the debt validation process? So, it is important to keep good records throughout communications with debt buyers and collection agencies. Dear [Debt collector name]: I am responding to your contact about a debt you are trying to collect. Dear Sir/Madam: After reviewing my credit report, I have found inaccurate information listed as credit card debt. Debt collectors must send a validation letter giving info about the debt you’re being asked to pay. Sample debt validation letter - A written request to validate the debt. Sample Debt Validation/Verification Letters. Sample Debt Validation Letter. ☐ - Response to a listing on my Credit Report. You’re saying: “Tell me more about this debt.” Use the sample letter on the next page to ask for more information about this debt. Below is a sample debt validation/dispute letter. 15 U.S.C. Technically, you can send a debt validation letter after the 30-day validation period. Sample Debt Validation Letter. It is not novelty news that collection agencies send bills and make calls for bogus debts. Name Of Consumer Address Of Consumer City, State, Zip Code. Print these letters to dispute with credit bureaus and negotiate a payment plan with creditors. Print or download sample debt validation, debt verification, cease and desist, wage garnishment revokation, and pay for delete settlement letter … This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. There are some key things that you will need to have in your debt validation letter. 1. Debt Validation Letters are Sent by Debt Collectors . Fair … This letter is being sent to you in response to: Check One (1) ☐ - Notice sent to me on _____, 20___. The first letter is plain, simple, and straight to the point; and the second letter is detailed. RE: Debt verification for account number NUMBER. As per the Fair Debt Collection Practices Act, you can request for validation of the debt that the collection agency (CA) claims you owe to them. which is why writing a debt validation letter is an extra safety precaution that you should make to protect yourself, your hard-earned cash and your credit score. Following is a sample debt validation letter that you can use to request the creditor/collection agency verify that the debt is actually yours and you are legally bound to pay that debt. Once you receive your debt validation letter, read through it closely and make sure there are no errors. This letter is in response to a (insert how the information was received, for example, a letter or a phone call) received by you (insert date here, be very specific and mention the date of the letter or the phone call). February 19, 2021. Re: Insert subject here. 1692(g) § 809 (b)), however, it also refers to Pennsylvania’s Fair Credit Extension and Uniformity Act (i.e. However, make sure you send the debt validation letter in registered mail., , Re: Acct No . When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Find sample debt settlement letters (sample debt negotiation letters) and letters on credit/debt in order to contact creditors, CAs and credit bureaus. You can still send a debt validation letter after 30 days. Remember, a debt validation letter – or debt validation notice – is a document that debt collectors are required by law to send to consumers. I suggest using the plain, simple letter. Share. When you send a debt validation letter, use certified mail with a return receipt requested, and keep a copy of your letter with the proof of mailing.