What is a debt validation letter?

A debt validation letter is a type of letter used in the state of Washington to protect consumers from debt collectors that are trying to collect on a debt that may not be legitimate. This type of letter requests proof from the debt collector that the debt is actually owed and that the amount stated is accurate. The debt validation letter can be used for any type of debt, including credit card debt, medical debt, or even personal loans. The debt collector is obligated to provide proof of the debt, such as contracts, billing statements, and other documents. Once the debt collector provides the required proof, then the consumer can make an informed decision on how to proceed. This is important because it helps protect consumers from debt collectors who may be attempting to collect a debt that is not actually owed. The debt validation letter is a critical part of the Consumer Debt Defense Law in Washington. It ensures that debt collectors are held to a high standard and that consumers are protected from any fraudulent or deceptive debt collection practices. It is also important to note that the debt validation letter must be sent within 30 days of the debt collector attempting to collect a debt, or consumers may lose the opportunity to prove that the debt is not legitimate.

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What is a debt validation letter?

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