What is a debt validation letter?

A debt validation letter is a tool used by consumers to dispute the validity of a debt and to request proof from the debt collector that it is due. In Kansas, consumer debt defense law requires debt collectors to provide this proof if requested by the consumer. The debt validation letter should include the consumer’s name, address, and a request for validation of the debt, including the original creditor’s name and the amount owed. The debt collector must then provide the consumer with written verification of the debt, including the name and address of the original creditor, the date of the first delinquency, and the amount of the debt. If the debt collector is unable to provide this information or the debt is found to be invalid, the debt must be removed from the consumer’s credit report. The consumer can also use this letter to dispute inaccurate fees and interest rates, or to question whether the debt was sold or transferred to another company. In Kansas, consumer debt defense law also requires debt collectors to stop collection activities until they are able to provide the requested information. The debt collector must also cease any attempts to collect the debt while the consumer’s debt validation letter is being reviewed. This protection is an important safeguard for consumers in Kansas, helping to ensure that they are not unfairly burdened with debt they do not legitimately owe.

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What is a debt validation letter?

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