Collection Response / Validation Letter

What This Is

A collection response and validation letter formally requests that a debt collector prove they have the right to collect the debt and provide documentation of what you allegedly owe.

When to Use This

• You received a collection letter for a debt you don't recognize
• You want proof that the collector has the right to collect
• You're within 30 days of receiving the initial collection notice
• You want to dispute the debt or request more information

What We'll Ask You

We'll guide you through 8-10 questions including:

• Collection agency name and contact information
• Date you received the collection notice
• Alleged debt amount and original creditor
• Whether you recognize or dispute the debt
• Specific documentation you want to request

What You'll Receive

A professionally formatted validation letter citing your rights under the Fair Debt Collection Practices Act, ready to sign and send via certified mail with return receipt.

What This Is NOT

• This is not a legal defense against a lawsuit
• This does not erase the debt
• This is not legal advice or attorney representation
• You prepare and send this document yourself