What is a debt validation letter?

A debt validation letter is a written request sent to a creditor or debt collector in order to verify the details of a debt. It is a legal right given to consumers by the Fair Debt Collection Practices Act (FDCPA). This letter is sent when a consumer disputes a debt that has been reported on their credit report. It also applies to debts that may have been collected by a debt collection agency that the consumer is unaware of. The letter must contain the name of the creditor or debt collector, the account number, and a reason for the dispute. It must also ask for written confirmation within 30 days from the creditor or debt collector that the debt is valid and that the consumer owes the debt. In California, if the creditor or debt collector does not respond within the 30 days, or does not prove that the debt is valid, the debt is removed from the consumer’s credit report. This is known as a debt validation letter. It is an important part of consumer debt defense law in California and helps to protect consumers from unfair and fraudulent practices.

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What is a debt validation letter?

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