Debt Validation Letter

Have you received a letter in the mail from a debt collection agency, claiming you owe them money?  If you look at the bottom of this letter, you’ll see verbiage telling you that you have the right to request validation of the debt — aka, proof you actually owe the debt.

This is a letter that can be sent to request validation from a debt collector.

YOUR NAME
YOUR ADDRESS LINE 1
YOUR ADDRESS LINE 2

Month Day, Year

THEIR NAME (OR DEPARTMENT)
ADDRESS LINE 1
ADDRESS LINE 2

Re: Account #XXXXXX

To Whom It May Concern,

I have received correspondence from your company notifying me that I allegedly owe money to COMPANY NAME. This is not a refusal to pay, but a notice that your claim is disputed.

This is a request for validation made pursuant to the Fair Debt Collection Practices act. By “validation,” I refer to reliable competent evidence that I have some contractual obligation to pay you the amount of money referenced in your previous correspondence.

I look forward to your reply,

Sincerely,
FIRST AND LAST NAME