Example of Debt Validation Letter

Did the collection agency respond to the debt validation letter you mailed? If not, keep the receipt and information from the first debt validation letter, and use the information below to send a more formal debt validation letter to the collection agency. Be sure to send this letter via certified mail with signature required.

Remember:

  • Do not copy the letter verbatim. Rewrite the letter in your own words and remember to include details of the debt the collection agency is trying to collect.

  • Do not give them additional information about the debt in question; only use the information in the collection notice you received.

  • Make sure you mail your response via certified mail with a signature required within the 30 days the collection agency gave you. Keep your receipt and verification of delivery because it is your proof you mailed a response within the allotted time. If you do not use certified mail with signature required, the collection agency can easily say you never sent them a letter and you cannot prove you did. It is your word against theirs.

  • Mail the letter to the collection agency within the 30 days you were given and send it as certified mail with a signature required.


Formal Debt Validation Letter



[Your Name]
[Your Address]
[Your City, Your State, Your Zip Code]

Collections Agency
123 Main Street
Anywhere, ST 56789


Date:

Re: Account # 100123456789


Section 809(b) “Validation of the debt” requires debt collectors obtain verification of the debt from the creditor and mail it to the consumer.

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on [INSERT DATE HERE]. This is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is once again being requested.

This is a request for proper validation of the above alleged debt. In accordance with the Fair Debt Collection Practices Act, I have the right to request for a validation of this alleged debt. This is asking for proof regarding this and verifying the same.

Please attach copies of the following with the reply:

  • The agreement which authorizes the creditor to collect debt on the alleged debt.
  • The signed agreement from the debtor conforming to pay the creditor.
  • The documents regarding the payments made on this account validating the amount.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment, under my right according to the Fair Debt Collection Practices Act. All future communications with me must be done in writing and sent to the address above in this letter.

I would also like to request to you, in writing, that no telephone contact be made by your offices to my home or to my place of employment, under my right according to the Fair Debt Collection Practices Act. All future communications with me must be done in writing and sent to the address above in this letter.

(Insert your Needs Here) Example of ours:

I need this debt validated. Proving this is indeed my account. I’m sure a judge would agree with me that putting numbers down on a paper and telling me I owe it and stapling a five year old account agreement does not prove this is my debt.

As per my rights please send me:

  • The agreement which authorizes the creditor to collect debt on the alleged debt.
  • The signed agreement from the debtor conforming to pay the creditor.
  • The documents regarding the payments made on this account validating the amount.

Then I will believe this is mine. Until then consider this debt disputed.


Thank you,

[Your Signature]
[Your Name]