How to Write a Debt Validation Request Letter

What is a Debt Validation Request Letter?

A formal request for a debt collector to provide proof that you actually owe the debt they are attempting to collect.

When to Use This Letter

You should send a debt validation request letter when:

• You receive a collection letter for a debt you don't recognize
• You want to verify the debt amount is accurate
• You need to confirm the debt collector has legal right to collect
• You want to exercise your rights under the Fair Debt Collection Practices Act (FDCPA)
• You need to pause collection activity while verification is provided

What to Include

Your debt validation request letter should include:

• Your name and address
• Account number or reference number from collection letter
• Clear statement requesting debt validation
• Request for proof of debt ownership
• Request for original creditor information
• Request for itemized accounting of debt
• Statement that you are exercising FDCPA rights
• Instruction to cease collection activity until validation provided

Sample Language

Here's an example of how to structure your letter:

This letter is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. I am requesting that you provide validation of the alleged debt referenced in your letter dated [DATE]. Until you provide proper validation, you must cease all collection activity...

Note: This is sample language only. Your actual letter should be customized to your specific situation.

Common Mistakes to Avoid

• Waiting more than 30 days after initial contact to send request
• Acknowledging the debt or promising to pay before validation
• Not sending via certified mail with return receipt
• Providing unnecessary financial information to collector
• Not keeping copies of all correspondence
• Continuing to communicate with collector after sending request

Legal Considerations

Under the FDCPA, debt collectors must cease collection activity once you request validation until they provide proper verification. You have 30 days from the initial contact to request validation. The collector must provide the name of the original creditor, amount owed, and verification they have authority to collect.

Related Letters

You may also need:

• Debt Settlement Offer Letter

Prepare Your Debt Validation Request Letter with PastDu

PastDu guides you through every detail with straightforward questions. No legal jargon, just clear guidance to prepare a professional debt validation request letter.