Debt Validation Letter

A Debt Validation Letter is a formal request sent by a debtor to a creditor or debt collector, asking for proof and verification of an alleged debt. The letter typically includes a statement that the debtor disputes the debt and requests documentation to validate the debt, such as a copy of the original contract or agreement, an itemized statement of the amount owed, and evidence of the debtor’s liability for the debt. The purpose of a Debt Validation Letter is to protect the debtor’s rights under the Fair Debt Collection Practices Act and to ensure that they are not being pursued for a debt that is inaccurate, incomplete, or invalid. The letter may also serve to prevent further collection efforts until the debt is properly validated.