How do I request validation of a debt?

In New Mexico, if you believe a debt collector is trying to collect a debt you do not owe, you have the right to request the debt collector to validate the debt. Validation of the debt means the debt collector must provide you with evidence that you are in fact responsible for the debt. There are two primary ways you can request validation of a debt in New Mexico. First, you can send a written letter to the debt collector requesting validation of the debt. The letter should include your full name and the account number (if available), and you should make a copy of the letter for your own records. Second, you can contact the debt collection agency directly and make a verbal request for validation. Make sure to keep a record of the conversation, including the name of the debt collector, the date of the conversation, and what information you requested. It is important to remember that when requesting validation of a debt, you should limit your communication to the debt collector and not discuss any payment options. Discussions about payment arrangements can be held after the debt has been validated. Also, you should not give any information about your financial situation until you have received and reviewed the validation information. Once you receive the validation notice, you should carefully review the information and make sure it is accurate. If you find errors in the notice, notify the debt collector in writing stating the errors and why you believe it is incorrect. Requesting validation of a debt is a powerful way to protect your rights in New Mexico and make sure you only pay for debts you are legally responsible for.

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