What is a debt validation letter?

A debt validation letter is a tool used by consumers in California to protect their rights under the state’s Consumer Debt Defense Law. The letter is typically used when a debt collector attempts to collect a debt from a consumer. When the letter is sent, the debt collector must provide the consumer with information about the debt, including the amount due, the name of the original creditor, and the age of the debt. The letter also gives the consumer the right to dispute the debt, verify the debt’s accuracy, and request proof that the debt collector is authorized to collect the debt. Once the debt collector has responded to the letter, the consumer can make an informed decision about how to proceed in regards to the debt. The debt validation letter is an important part of the Consumer Debt Defense Law and is a valuable tool for consumers to protect their rights in California.

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What is a debt validation letter?

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