Debt Validation Letter Guide

Summary

A debt validation letter under the FDCPA is a request to a debt collector for proof of debt. You must send it within 30 days of initial contact. The letter should ask for details like the original creditors name and the amount owed. Send it via certified mail with a return receipt. A template includes your contact information, a request for debt details, and proof of the collectors authority. This ensures your rights are protected under the FDCPA.

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Yes can you draft the letter for me
Sure! Here’s a template you can use for your debt validation letter under the FDCPA:
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[Your Name]
[Your Address]
[City, State, ZIP Code]
[Phone Number]
[Email Address]
[Date]
[Debt Collector's Name]
[Debt Collector's Address]
[City, State, ZIP Code]
Re: Account Number [Your Account Number]
Dear [Debt Collector's Name],
I am writing to request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act (FDCPA). Please provide the following information:
*. The amount of the debt.
*. The name of the original creditor.
*. Any documentation verifying the debt and my obligation to pay it.
*. A detailed explanation of how the debt amount was calculated.
*. Proof that you are authorized to collect this debt.
Please send this information to my address listed above. I would appreciate your prompt response.
Thank you for your cooperation.
Sincerely,
[Your Name]
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Make sure to send the letter via certified mail with a return receipt. Let me know if you need further assistance!