Do not forget to mention the method of the contact. By any chance do not admit owing the debt.
A statement that the collector has 30 days to respond to you if you dispute the debt and ask for more information and.
Debt verification letter sample. When writing a debt validation letter it is important to ask the following things in the letter. The fair debt collection practices act fdcpa gives you the right to request validation and provides you many other protections against debt collectors. The name of the agency or the creditor seeking payment.
For best results you will need to get familiar with the fdcpa and debt validation if you are not already. Do not admit to owing the debt or make any reference to payment. That they have assumed your debt to be valid unless you dispute in 30 days.
We ll take you step by step through the process so that you know your rights as well as the best action to take to get your credit score back on track. How to write a debt validation letter. Give a reference to the date of the initial contact.
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. The letter below is a sample debt validation letter.
That if you request more information about the initial creditor and debt that they must provide it in 30 days. The validation letter will also have a number of statements of your rights including the following information. Writing a debt validation verification letter.
In the letter reference the date of the initial contact and the method for example a phone call received from your agency on april 25 2019 you also need to provide a statement that you re requesting validation of the debt. The debt collector must send a sample debt validation letter five days from the first contact and it must contain the following details. Provide a statement for requesting the validation of the debt.
The amount that you owe. Step 2 add a cease and desist addendum optional.