What is a debt validation letter?

A debt validation letter is a formal request from a consumer to a creditor or collection agency asking for proof that the debt is legitimate. This type of letter is often used when a consumer has been contacted about a debt and they don’t believe they owe it, or they don’t remember ever having taken out the loan. In Kansas, consumer debt defense law requires creditors and collection agencies to officially respond to these letters. When a debtor sends a debt validation letter, the creditor or collection agency is then obligated to provide physical proof that the debt is valid. This can include documents such as an account statement, a copy of the original loan agreement or contract, or a copy of a judgment. In Kansas, consumer debt defense law requires creditors and collection agencies to either provide proof that the debt is valid or, in the alternative, to stop all collection efforts. If the creditor or collection agency does not respond to the debt validation letter within 30 days, then the debt is legally considered “invalid” and the collection efforts must cease. The debt validation letter is an important part of consumer debt defense law in Kansas and provides consumers with a way to dispute the validity of debts that they believe have been incorrectly or unfairly reported.

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