How do I request validation of a debt?

If you believe you are being wrongly accused of owing a debt in the state of Florida, you can request validation of the debt. This process is facilitated by the Consumer Debt Defense Law, which requires debt collectors to prove the debt is valid before proceeding to collect it. To request validation of a debt, you can contact the debt collector in writing. If you choose to do this, make sure to include the name and address of the debt collector in your letter and a brief description of why you believe the debt is not valid. You can also contact the Florida Department of Financial Services for assistance. The agency can investigate the debt collector and contact them on your behalf to request validation of the debt. If the debt collector does not provide validation of the debt, they must cease collection efforts and inform the credit bureaus that you do not owe the debt. Additionally, you may wish to contact an attorney for assistance. An attorney can review the debt and the validation request to ensure that the debt collector follows the Consumer Debt Defense Law and that your rights are protected throughout the process. It is important to remember that, even if you request validation of the debt, the debt collector still has the right to pursue the debt in a court of law. Therefore, if you do not believe you owe the debt, it is important to contact an attorney who can provide assistance throughout the process.

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How do I request validation of a debt?

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