What is a debt validation letter?

A debt validation letter is a written request sent to the creditor or debt collector who claims you owe money. In West Virginia, debt validation is a key part of consumer debt defense law. By sending a debt validation letter, you are asking the creditor to provide proof that the debt is actually yours to pay. The letter must be sent via certified mail with return receipt requested so you have proof that it was received. In response to the letter, the creditor must provide you with a written statement that includes the amount you owe, the name of the original creditor, the dates you incurred the debt, and any other items mentioned in the original contract. They must also provide you with copies of any documents that show that you agreed to the debt, such as bills, invoices, or contracts. If the creditor is unable to provide this information in a timely manner, the debt will be legally dismissed or discharged. Debt validation letters are an important tool in the consumer defense law field, because they provide consumers with a way to challenge the validity of a debt and protect them from deceptive and predatory practices. By sending a debt validation letter, you may be able to avoid costly legal fees and receive a reduced or even canceled debt without court proceedings.

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What is a debt validation letter?

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