Debt validation letter: Sample letter to dispute your debt

Submitted by Laura on Thu, 11/29/2007 - 04:48
Forums

What is debt validation?

Debt validation is the debtor's right to ask for validation of a debt a creditor claims he owes. A letter requesting validation of the debt should be sent to the creditor or the collection agency, if they claim that you owe the debt, either by sending a collection letter or by reporting the debt on your credit report.

Debt validation letters (DV letters) should always be sent by certified mail requesting a return receipt or faxed, so that you have proof that you have asked for the debt to be validated if the creditor fails to validate the debt. When you ask for debt validation from a debt collector, they need to provide you with a copy of the original signed contract between you and the original creditor and the account statement showing your outstanding debt. In addition to these two documents, the collection agency must provide you with proof that they have been given the right to collect the debt by the original creditor, or they have purchased the debt from the original creditor.

On receiving the debt validation letter, the creditor or the collection agency must provide you with proper validation within a few days from the date they receive your DV letter. If they fail to validate the debt within this period, then you are no longer liable to pay the debt under the Fair Debt Collection Practices Act.

Here is a sample debt validation letter which will help you to ask for debt validation.

Your Name
Your Address

Name of CA
Address of CA
Date:

Re: Your Account No:

Dear Sir/Madam,

I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.

Please dispatch copies of the following with your reply:

1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.

With regards,

Your Signature
Your Name

Hope this helps :)

NANCY BOWLS (not verified)

THEY BOTH HAVE LEANS ON MY PROPERTY FOR NON PAYMENT OF BILLS.. one is for 3-26-2008..the other date is 12-7-2010.. i do not recall receiving court papers to appear for any of this.. what can i do?

Thu, 06/13/2013 - 20:23 Permalink

Someone please clarify something for me. I notice u have a hospital bill on my credit report that still dragging my score down, and it's been with several CA. What's the time frame (yrs) before it should be removed from my credit history. I the hospital never billed my Ins in 98' but still showing on my credit as delinquent.

Thanks,
Jimdawg!

Thu, 06/20/2013 - 22:33 Permalink
Anonymous (not verified)

You have explain it very well, it really helpful for me, Keep sharing such type of information in future too.

Mon, 07/29/2013 - 08:11 Permalink
Sivoi (not verified)

This is very helpful, Im not good on all this things but when I read all you guys discussion pretty much make me read more and know more about How to deal with this kind a situations.
I did went to my court collections matter but I couldn't made it because I running late. Anyway I did made settlement to the collections agency before went to court. My questions is should did the collections have to send me something to sign or receipt saying payment paid? Because I still not received any of receipt from them, when I ask they said they not doing send me settlement paper but when I send my payment to them I will have to call to let them know before the due date. Another questions If one collections company showing on your credit report and this collections showing it is a different amount to pay so is that mean I have to pay separate doesn't matter showing same collection company's name? Oh about the court case I call the next day to the court and saying the collections agency lawyer didn't show up too.

Fri, 08/23/2013 - 07:46 Permalink
Hesam (not verified)

I have a lawyer that has been tineaterhng to garnish my wages for a debt that my ex wife signed for. I was deployed to the desert when my ex agreed to have the roof redone. I never signed any paperwork or anything. In fact I didn't even know about the work until the day they showed up to the house and started ripping the roof off. During that time, we were getting divorced and she filed bankruptcy to which the roof was included. Now, over four years later, they are telling me that I am now accountable for the debt. I never agreed to a anything on this! Am I now responsible for this? Thanks

Fri, 08/30/2013 - 15:23 Permalink
estamford (not verified)

can anyone tell me where to mail the letter fore NCO FIN?

Fri, 06/06/2014 - 15:02 Permalink
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Wed, 08/06/2014 - 05:47 Permalink
Walla (not verified)

I received a summons 12/19 from Midland Funding LLC with the bill of sale and assignment, copy of July statement and affidavit of debt. I was going to send them a DV Letter, but I think they already proved that information. I have 20 days to respond to summons not sure what to do . Should I dispute debt , due to last payment was made 11/06/2013 ?

Mon, 12/22/2014 - 21:06 Permalink

I would love to do this since my title loan has been sent to debt collections agency, I believe. Yet again, I am not certain. Therein lies the problem. I have received no notice that it was sent to collections and no letter in the mail Only a few vague phone calls. However in not sure I have time to go any of this on a title loan. Any suggestions?

Wed, 03/11/2015 - 10:50 Permalink
kandiicane (not verified)

I was served papers from CA for a credit card debt. This debt originated in Mississippi. Last payment/activity was Dec 2011. The SOL for Mississippi is three yrs. I have moved from MS to NV and finally here in UT since 2012. Am I correct in assuming that the SOL for the state of MS is the legal SOL?
Very intimidating when papers are served and not filed yet with the court. This forum is absolutely filled with knowledge.
I was under the impression the SOL had expired, thus did not answer this latest letter from lawyers/CA.
Will respond to said papers, and then send out DV requests etc.
Is there anything else I need to know and do??
Thank you for helping me and so many others.

Sun, 07/19/2015 - 18:25 Permalink
terrellspauldi… (not verified)

Good analysis , I am thankful for the analysis - Does someone know where my company might be able to access a template CA PLD-050 form to complete ?

Fri, 06/03/2016 - 18:12 Permalink
going crazy (not verified)

I received a summons from a company that has purchased my write off. it was in 2008 when the write off was put on my credit report. It is no longer on my credit report and I have also recieved a new card from the original collector and i am in excellent standings with the credit holder. What do I need to prove this is not me debt and how do i handle the summons and knowing that this has a statue of limitations on it which has passed. what do i send for the statue of limitation

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