{"id":363014,"date":"2023-01-11T12:50:33","date_gmt":"2023-01-11T19:50:33","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=363014"},"modified":"2023-01-11T12:50:36","modified_gmt":"2023-01-11T19:50:36","slug":"debt-validation-letter","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/finance\/debt-validation-letter\/","title":{"rendered":"What is a debt validation letter? [+ template for debt verification]"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"325\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-2.png\" alt=\"What is a debt validation letter? [+ template for debt verification]\" class=\"wp-image-363015\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-2.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-2-300x100.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-2-600x200.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-2-768x256.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-2-450x150.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-2-900x300.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards.<\/a><\/p>\n\n\n\n<div class=\"quick-answer quick-answer--hr\">\n    <p>Debt collections send a debt validation letter as proof that you owe them money. It should detail the specifics of your account, such as the debt amount, the original creditor and the date of default. To dispute the information\u2014and delay the collection process\u2014you can write a letter of debt verification.<\/p>\n<\/div>\n\n\n\n<p>Dealing with collection agencies is extremely stressful, especially if you don\u2019t recognize the debt they\u2019re collecting. Enter: the debt validation letter. It allows creditors to prove that your debt is valid, and they have the right to collect on it.<\/p>\n\n\n\n<p>If you receive this letter, you want to act as soon as possible. Ignoring it could cause your credit score to plummet and even lead to a lawsuit. But there are ways to get out of paying. In this article, we\u2019ll explain how you can use the debt validation process to delay collection\u2014or eliminate the debt altogether.<\/p>\n\n\n\n<p>First, let\u2019s dig deeper into what a debt validation letter is and why it\u2019s so important.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-debt-validation-letter\"><a><\/a><strong>What is a debt validation letter?<\/strong><\/h2>\n\n\n\n<p>Creditors will send a debt validation letter as proof that your debt is valid and belongs to them. The letter should have accurate and specific details about your debt, helping you determine if it\u2019s yours to pay. Review it carefully, and don\u2019t hesitate to dispute even the smallest discrepancy.&nbsp;<\/p>\n\n\n\n<p>According to the <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/fair-debt-collection-practices-act-text#809\" target=\"_blank\" rel=\"noreferrer noopener\">Fair Debt Collection Practices Act (FDCA)<\/a>, debt collectors have five days after contacting you to send a debt validation letter. If they fail, you should request that they verify your debt\u2014which we\u2019ll show you how to do later. The only exception is if their initial communication included the info you\u2019d need to validate their claim.<\/p>\n\n\n\n<p>Here\u2019s what a debt validation letter should include:<\/p>\n\n\n\n<ul><li><strong>The amount you owe: <\/strong>Collectors should report the exact balance of your delinquent account.<\/li><li><strong>Info about the original creditor: <\/strong>The letter should have accurate details about the original company you owed.<\/li><li><strong>Details about the original credit account: <\/strong>If your original creditor sold your debt to a collection agency, the letter should include those details.<\/li><li><strong>Payment due date: <\/strong>Most times, you\u2019ll have a \u201cpay by\u201d date, which gives you time to settle the debt before it shows up on your credit report<\/li><li><strong>30-day statement: <\/strong>Usually, these letters include a statement that you have 30 days to dispute the debt\u2019s validity using a debt verification letter.\u00a0<\/li><li><strong>Your name and address: <\/strong>Collectors should provide details about you to validate that you are the person the debt belongs to.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"1158\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-9.png\" alt=\"What does a debt validation letter report?\" class=\"wp-image-363022\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-9.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-9-253x300.png 253w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-9-337x400.png 337w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-9-768x912.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-9-450x534.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-9-600x713.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-9-900x1069.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-is-a-debt-validation-letter-important\"><strong>Why is a debt validation letter important?<\/strong><\/h3>\n\n\n\n<p>A validation of debt letter allows you to make collectors prove that their claim is legitimate and that you are legally responsible. It can also help determine if your original creditor sold your debt to this collector. The goal is to avoid paying a debt that isn\u2019t yours\u2014you\u2019d be surprised how often this happens.<\/p>\n\n\n\n<p>In fact, a whopping 56 percent of consumers listed \u201cattempts to collect debts not owed\u201d as their top complaint on the <a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_fdcpa_annual-report-congress_04-2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">2022 Consumer Financial Protection Bureau (CFPB) report<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"346\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-8.png\" alt=\"56% of consumers complained that debt collectors attempted to collect on debts they didn't owe.\" class=\"wp-image-363021\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-8.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-8-300x106.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-8-600x213.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-8-768x273.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-8-450x160.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-8-900x319.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<p>The good thing is that debt collectors must validate your debt within five days of contacting you. You could even take legal action against collectors who refuse or fail to validate a debt\u2014especially if you can prove they\u2019re breaking debt collection law or trying to collect on a fake debt. This is especially important in cases of resurfaced debt.<\/p>\n\n\n\n<p><br>For example, when the original creditor writes your debt off, it doesn\u2019t just go away. A debt collection agency will usually buy it, meaning you have to pay them the outstanding balance. Initial creditors will sometimes send this <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/surprise-youve-got-a-debt-in-collections\/\" target=\"_blank\" rel=\"noreferrer noopener\">debt to collections without notice<\/a>, leaving you in the dark about your credit health.<\/p>\n\n\n\n<p>You could also be a victim of <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/what-is-zombie-debt\/\" target=\"_blank\" rel=\"noreferrer noopener\">zombie debt<\/a>, which happens when debt collectors try to collect on a debt you already settled or successfully disputed. This includes when a collector threatens to sue you for a debt that\u2019s past the statute of limitations. Fortunately, they can\u2019t legally make you pay if they can\u2019t validate its legitimacy.<\/p>\n\n\n\n<p>Remember that collectors need to accurately report information about your debt to prove you owe them money. Closely review the details they report to make sure there are no errors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-do-after-you-receive-a-letter-of-debt-validation\"><a><\/a><strong>What to do after you receive a letter of debt validation<\/strong><\/h2>\n\n\n\n<p>While debt collectors use them to take your money, debt validation letters can also be your saving grace. When you receive a letter of debt validation, you have two options. You can either agree to pay the balance or dispute it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-decide-whether-the-debt-is-valid\"><a><\/a><strong>Decide whether the debt is valid<\/strong><\/h3>\n\n\n\n<p>After receiving a letter of debt validation, read it thoroughly to determine whether the claim is legitimate. The letter should include information about the debt, the creditor and the amount you owe.<\/p>\n\n\n\n<p>If everything looks good, you want to try and settle it as quickly as possible. Remember that collection agencies report to credit bureaus, which can tank your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pick-your-payment-plan\"><a><\/a><strong>Pick your payment plan<\/strong><\/h3>\n\n\n\n<p>You should decide whether you want to use a payment plan or if you want to pay the full balance all at once. Choosing to settle the entire debt all in one payment is usually the better, cheaper option\u2014especially when you learn how to <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/are-there-different-methods-to-paying-down-debt\/\" target=\"_blank\" rel=\"noreferrer noopener\">pay off debt faster<\/a>. However, a payment plan is great if you can\u2019t afford to pay everything upfront.<\/p>\n\n\n\n<p>Debt collectors usually offer a few payment options, but you can negotiate a lower balance. Remember that they bought this debt for less than it was worth, so there\u2019s wiggle room for how much (or little) they can accept from you.<\/p>\n\n\n\n<p>On the other hand, if you aren\u2019t sure the debt belongs to you, disputing it can buy you more time to figure out your next steps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-dispute-the-debt\"><a><\/a><strong>Dispute the debt<\/strong><\/h3>\n\n\n\n<p>Disputing a debt can be intimidating, but it\u2019s a crucial step to take if you believe a debt is not yours or is inaccurate.<\/p>\n\n\n\n<p>Some signs that you should dispute a debt validation letter include:<\/p>\n\n\n\n<ul><li>Inaccurate information about you or the debt<\/li><li>You don\u2019t recognize the original creditor<\/li><li>There\u2019s no info about the original creditor<\/li><li>The debt collector isn\u2019t reputable<\/li><\/ul>\n\n\n\n<p>If you believe the debt isn\u2019t yours, contact the creditor or collection agency in writing and explain why you\u2019re disputing it. Be sure to include any evidence that you have to support your claim. You can also request a verification of the debt, which requires the creditor to provide proof that you are responsible for the debt.<\/p>\n\n\n\n<p>Remember that if you respond to a debt validation letter after the 30-day period, the collector can consider your debt valid and continue pursuing payment. In that instance, you\u2019ll likely have to pay to <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/removing-collections\" target=\"_blank\" rel=\"noreferrer noopener\">remove the collection account<\/a> from your credit report.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"196\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-7.png\" alt=\"Get a free credit evaluation to see how your credit score can reach new heights\" class=\"wp-image-363020\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-7.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-7-300x60.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-7-600x121.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-7-768x154.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-7-450x90.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-7-900x181.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-debt-validation-letter-vs-debt-verification-letter\"><a><\/a><strong>Debt validation letter vs. debt verification letter<\/strong><\/h2>\n\n\n\n<p>There are two kinds of letters in the validation process: debt validation and debt verification. You\u2019ll need to understand their purposes and differences if you want the best possible outcome.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debt-validation-letter\"><a><\/a><strong>Debt validation letter<\/strong><\/h3>\n\n\n\n<p>A debt validation letter is what you receive from a debt collector. Its purpose is to prove that a debt is legitimate and belongs to you. Collectors should send one no more than five days after first alerting you about the debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debt-verification-letter\"><a><\/a><strong>Debt verification letter<\/strong><\/h3>\n\n\n\n<p>A debt verification is what you send to request more information about the debt or to dispute it. Send this letter when you don\u2019t recognize a debt or believe it\u2019s inaccurate.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"921\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-6.png\" alt=\"Debt validation letter vs. debt verification letter\" class=\"wp-image-363019\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-6.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-6-300x283.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-6-423x400.png 423w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-6-768x725.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-6-450x425.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-6-600x567.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-6-900x850.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<p>Keep in mind that you only have 30 days to dispute a validation letter before the collector can consider it valid and continue trying to collect. You\u2019ll want to start writing that verification of debt letter ASAP\u2014luckily, we\u2019ve outlined the process below.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-write-a-debt-verification-letter\"><strong>How to write a debt verification letter<\/strong> <\/h2>\n\n\n\n<p>Writing a debt verification letter is an important step when dealing with debt. It\u2019s important to make sure you write all information accurately and professionally.<\/p>\n\n\n\n<p>Start the letter by introducing yourself and providing contact information. Then, clarify that the letter\u2019s purpose is to verify a debt. Provide the name of the creditor and the account number. Include the amount of the debt and the date you received the notice.<\/p>\n\n\n\n<p>If you are disputing the debt, provide documentation to support your claim. Finally, include any other relevant information, such as payment history or the date the collection agency bought the debt. Make sure to sign the letter, include your contact information and send it as certified mail with your return address.<\/p>\n\n\n\n<p>Not sure what to say? You can use this debt verification letter template:<\/p>\n\n\n\n<p><strong><em>[Your Name]<\/em><\/strong><\/p>\n\n\n\n<p><strong><em>[Your return Address]<\/em><\/strong><\/p>\n\n\n\n<p><strong><em>[Date]<\/em><\/strong><\/p>\n\n\n\n<p><strong><em>[Collector\u2019s name]<\/em><\/strong><\/p>\n\n\n\n<p><strong><em>[Collector\u2019s Address]<\/em><\/strong><\/p>\n\n\n\n<p><em>Dear <strong>[Collector\u2019s Name]<\/strong>,<\/em><\/p>\n\n\n\n<p><em>This is my response to your notice about a debt. You reached out by <strong>[mail\/phone] <\/strong>on <strong>[date of contact]<\/strong> and provided the following information about the debt: <strong>[List all details the collector shared with you regarding the debt]<\/strong>.<\/em><\/p>\n\n\n\n<p><em>I am not responsible for the debt you\u2019re attempting to collect.<\/em><\/p>\n\n\n\n<p><em>If you have proof and a good reason to believe that I am responsible for this debt, please mail me the relevant documentation, including (but not limited to):<\/em><\/p>\n\n\n\n<ul><li><em>Proof you are licensed in <strong>[Your State]<\/strong> to collect on this debt.<\/em><\/li><li><em>Final statement or bill showing the amount I owe.<\/em><\/li><li><em>Contract that I signed proving this debt is mine.<\/em><\/li><li><em>Details about the last action taken on this account and proof.<\/em><\/li><\/ul>\n\n\n\n<p><em>Please record that I dispute any ownership of this debt and stop all other communication with me and this address. If you stop collecting on this debt and forward it to a separate company, please let them know that I disputed it. Please also report my dispute to the credit bureau if you will report (or already have reported) this debt.<\/em><\/p>\n\n\n\n<p><em>Thank you in advance.<\/em><\/p>\n\n\n\n<p><em>Sincerely,<\/em><\/p>\n\n\n\n<p><strong><em>[Your Name]<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-sample-debt-verification-letter\"><a><\/a><strong>Sample debt verification letter:<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"1263\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-5.png\" alt=\"\" class=\"wp-image-363018\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-5.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-5-232x300.png 232w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-5-309x400.png 309w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-5-768x995.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-5-450x583.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-5-600x777.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-5-900x1166.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"196\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-4.png\" alt=\"Download sample debt verification letter\" class=\"wp-image-363017\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-4.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-4-300x60.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-4-600x121.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-4-768x154.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-4-450x90.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-4-900x181.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-you-shouldn-t-say-to-debt-collectors\"><a><\/a><strong>What you shouldn\u2019t say to debt collectors<\/strong><\/h3>\n\n\n\n<p>As you know by now, debt collection scams are widespread. You should be mindful of what you do\u2014and don\u2019t\u2014want to say when speaking with collectors. Providing too much wrong information can stop you from rooting out a fake or fraudulent debt claim. <strong>Here\u2019s what you should not tell debt collectors:<\/strong><\/p>\n\n\n\n<ul><li>Don\u2019t give them personal information such as bank account numbers or Social Security numbers.<\/li><li>Do not make any promises to pay or agree to any payment until you\u2019re positive the debt is yours.<\/li><li>Do not make any threats or use profanity.<\/li><li>Do not admit that you owe the debt or provide any information about your financial situation without consulting an attorney.<\/li><li>Do not give any false information or provide any information that is not true.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"196\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-3.png\" alt=\"See how credit repair can change your life with this free credit evaluation\" class=\"wp-image-363016\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-3.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-3-300x60.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-3-600x121.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-3-768x154.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-3-450x90.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2023\/01\/image-3-900x181.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<p>Debt validation and verification letters are powerful tools for maintaining good credit health. The key is to move fast and stick to the process. Try our quick and reliable service if you want to learn more about credit and how <a href=\"https:\/\/www.creditrepair.com\/fix-my-credit\">to fix your credit<\/a>.<\/p>\n\n\n\n<p>Sources: <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/rules\/fair-debt-collection-practices-act-text\">FTC.gov<\/a> &nbsp;<a href=\"https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_fdcpa_annual-report-congress_04-2022.pdf\">CFPB<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A debt validation letter is what creditors use to prove they own your debt. If you receive one, you can delay collection by sending a debt verification letter.<\/p>\n","protected":false},"author":71,"featured_media":363023,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a Debt Validation Letter? | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"A debt validation letter is what creditors use to prove they own your debt. If you receive one, you can delay collection by sending a debt verification letter.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/finance\/debt-validation-letter\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a debt validation letter? [+ template for debt verification]\" \/>\n<meta property=\"og:description\" content=\"A debt validation letter is what creditors use to prove they own your debt. 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