What is a debt validation letter?

A debt validation letter is a document used in Pennsylvania consumer debt defense law that should be sent to a creditor or debt collector before the debtor makes any payments. The letter requests that the creditor provide documentation that proves the debt is valid. This includes proof of the amount owed, the original creditor, and the date of first delinquency. The letter should also include information regarding how the debtor wishes to communicate with the creditor, such as by email or mail. In addition to validating the debt, the creditor is also required to offer the debtor a payment plan or other resolution that is acceptable to the debtor. This can help resolve the debt without going to court. Once the creditor has responded to the debt validation letter with the required information, the debtor can then decide on a resolution. Debt validation letters are an important part of consumer debt defense law in Pennsylvania. The letter gives debtors the power to review and verify debt information and challenge any debts that are not valid. This helps protect debtors against creditors and debt collectors who attempt to collect on debts that are not owed.

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What is a debt validation letter?

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