Debt collectors have a legal obligation to send a debt validation letter if requested. If they don’t, you can request that they stop contacting you altogether.

Before a debt collector can pursue you for a debt, they are generally required to first send you a debt validation letter. This letter should include your name, the debt amount, the delinquent ...

A call from a collection agency or debt collector isn’t enough proof. You can send a debt verification letter to a collection agency or debt collector requesting they provide proper documentation to ...

Request debt validation You also have the option to send a debt validation letter requesting proof that you owe the debt and that they have the right to collect it within 30 days of first being ...

Our rating: False A debt is not "invalidated" if a collector does not respond to a verification letter within 30 days. There is no time limit for collectors to respond to such a letter, experts say.

Scammers will almost never do that.” McNamara suggested good records of past debt. If contacted by a credit collection agency, request a debt validation letter and check credit reports regularly.

In March, a district court in the Eastern District of California followed other courts holding that an undated, model form debt validation notice does not violate the Fair Debt Collection ...

What Is a Debt Validation Letter? Here’s What You Should Do If You Receive One Adam Palasciano March 31, 2024 at 11:00 AM EmirMemedovski / iStock/Getty Images ...