Debt Validation Letter
The Fair Debt Collection Practices Act Section 809 gives you the right to demand proof of any debt within 30 days of first contact. Until the collector provides full validation, they must stop all collection activity including credit bureau reporting.
Your FDCPA Section 809 Rights
What Happens After You Send the Letter
Free Debt Validation Letter Template
Frequently Asked Questions
What is a debt validation letter?
A debt validation letter is a written request sent to a debt collector under FDCPA Section 1692g requiring them to provide proof that the debt is valid, the amount is accurate, and they are authorized to collect it.
Does sending a debt validation letter stop collection calls?
Yes, once a debt collector receives a validation request, they must cease collection activity until they provide validation. Continued collection before validation violates the FDCPA.
What should a debt validation response include?
A proper debt validation response should include: proof of the original debt and amount, chain of ownership assignments, original creditor information, account statements, and proof of authority to collect.