How do I request validation of a debt?

To request validation of a debt in South Carolina, you must contact the creditor or collections agency in writing. You should include your full name, the debt in question, and a written request for validation. Be sure to save a copy of your letter and any related documents. Your letter should clearly state that you are requesting validation of the debt within 30 days of receipt. You can also state that you want to know the exact amount of the debt, who owns the debt, and what is the source of the debt. Keep in mind that the creditor or collection agency may contact you in response to your letter. If the creditor or collections agency does contact you, they must provide you with a written validation notice that includes the amount and source of the debt along with their contact information. If the creditor or collections agency does not respond to your letter within 30 days, you have the right to dispute the debt. You should send a certified letter to the creditor or collections agency detailing your dispute. In South Carolina, debt collectors cannot collect a debt unless it is valid. If your debt is deemed invalid, the creditor or collection agency will have to cease collection activities. Overall, the process for requesting validation of a debt in South Carolina is fairly simple and straightforward. Be sure to follow the steps outlined above to ensure you are taking the appropriate steps to protect your rights.

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How do I request validation of a debt?

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