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The debt validation letter is sent by a consumer to verify a debt by providing evidence of the claim. The right to know how the debt was incurred is guaranteed to all consumers through the Fair Debt Collection Practices Act. The letter must be sent within thirty (30) days of receiving notice of the attempt to collect.

Laws (15 U.S. Code § 1692g(b)) – A consumer that is a resident in the United States has the right to obtain information about a debt that is owed. In order to obtain, the suspected debtor must mail a response letter within thirty (30) days of receiving the demand for payment.

How to Send a Debt Validation Letter

Step 1 – Write the Debt Validation Letter

The suspected debtor is not required to defend themselves. The letter’s sole purpose is to ask that the creditor submit the creditor’s name and address in addition to why the individual is responsible for the debt.

Step 2 – Add a Cease and Desist Addendum (optional)

Under § 805(c), an individual may inform a collection agency that they do not wish to be called or contacted by any means necessary. This informs the creditor that the consumer is aware of the debt that is owed but does not want to be contacted or else the creditor may face legal action.

Step 3 – Sign the Documents

For the letter to be considered legally served on the creditor it must be sent by United States Postal Service with return receipt. After the creditor receives the validation letter they will have to sign the receipt and it will be sent back to the debtor.

Step 4 – Send and Wait 30 Days

Under federal law (15 U.S. Code § 1692g(b)), the creditor will have thirty (30) days to conduct their investigation and send their findings to the debtor. If the creditor does not get back to the suspected debtor within the thirty (30) day period the collection is no longer valid.

REQUEST FOR DEBT VERIFICATION

From
________________
________________
________________

To
________________
________________
________________

Date ________________

To Whom This May Concern,

I, ________________, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code § 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law.

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code § 1692d and shall be subject to State and Federal penalties.

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I appreciate your efforts in this matter and look forward to your response.

Regards,

Your Signature

CEASE AND DESIST ADDENDUM

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I,________________, am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically § 805(c), and demand that you cease and desist any contact with me in reference to this collection. This addendum in no way admits or considers myself responsible for this debt. In addition, this addendum also requests for you to cease and desist the use, or potential use, of any third (3rd) party to contact me in reference to this collection.

IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION.

Regards,

Your Signature

Download: Adobe PDF, MS Word (.docx), or OpenDocument

1 – Access The Letter Template From This Page

The template image on this page will enable you to quickly preview this paperwork. When you are ready, determine whether your software environment is best suited to enter information to a PDF document or a word processing document. You may download either version by clicking on the “PDF,” “Word,” or “ODT” buttons presented in the caption area. Keep in mind this form will require input from multiple parties so, make sure to attend only to your part.

2 – Fill Out The Heading With Required Information

The first page of this paperwork is a letter containing some important language that must be set in place at the onset and should be filled out by the individual who is responding to an entity attempting to collect a debt that he or she has been unaware of. If you are the sender, then you will need to document the Date this paperwork is being sent on the blank line at the top right-hand corner of this page. Now, locate the three blank lines on the left-hand side of this page. Supply the legal name of the Recipient on the first of these lines. Then, use the next two to supply this entity’s legal mailing address. Usually, this should be presented as a street address and/or P.O. Box on the second line and the applicable city, state, and zip code on the third line. The blank line after the word “Dear,” just above the body of the letter, requires the full name of the contact name you’ve been given by the entity you are writing. If you do not have such a name you may wish to contact this entity directly to obtain one. Otherwise, you may choose to address the letter to the full name of the entity, or the department name cited on the paperwork you received. Many consider it important to address the correct contact person or department directly during such correspondence.

3 – Define The Purpose Of This Correspondence

Locate the area just under the opening of this letter. Notice the two checkboxes. Here you must present the reason you are sending this paperwork to the entity being addressed.

If you are sending this letter because you have received an unfamiliar bill, notice of a debt, or notice of legal proceedings to collect a debt then, mark the first checkbox. Use blank lines after the words “Notice Sent To Me On…” to transcribe the official date on the correspondence you received. Ideally, this letter is in response to the first notice you received. If not, then use the date on the first notice you received. If you are sending this letter as a response to an error on your Credit Report, then mark the second box (just before the words “Response To A Listing…”).

4 – This Letter And The Cease And Desist Notice Must Be Signed

Now, that you have indicated the purpose of sending this letter, you must show your intention that it be taken seriously by signing your name on the blank line under the word “Sincerely.” You may find this line at the bottom of the page. The second page of this paperwork will also require the signature of the individual sending it. The language here has already been set, so locate the word “Sincerely,” at the bottom of the second page and sign the blank line below it.

5 – The Debt Collector Must Supply The

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