What is a certified letter of verification?

A certified letter of verification is a document used in California to help protect consumers from fraudulent debt practices and abuse. This type of letter, often referred to as a “cease and desist” letter, is designed to inform creditors or debt collectors that they must stop their collection efforts until the debt is verified. This letter also requires the creditors to provide proof that the debt in question is valid and legally owed. The letter has to be sent via certified mail, signed for by the creditor or debt collector, and must provide the debtor’s full name, contact information, and a description of the debt. This document is intended to protect the consumer from false or unauthorized collection efforts, so creditors must provide verification that the debt is accurate and can be collected legally before they can continue with their attempts. Certified letters of verification are important tools in consumer debt defense law, as they give California residents the power to demand proof from creditors and debt collectors before they can proceed with collecting the debt. These letters also provide the consumer with additional time to think about repayment and can help protect their rights under consumer law.

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What is a certified letter of verification?

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