What is a debt validation letter?

A debt validation letter is a type of letter that a consumer in Washington can use to dispute a debt that they feel is inaccurate or invalid. This letter is used when the consumer disagrees with the debt that has been reported to the credit bureaus or collections agencies. The debt validation letter works by having the creditor or collections agency provide information about the debt that backs up what has been reported. This can include providing proof that the debt is accurate, such as a copy of the original agreement, balance calculations, and/or proof of payment. The creditor or collections agency must provide the requested information within 30 days of receiving the letter. If the creditor or collections agency cannot provide the requested information, then the debt is considered invalid and cannot be reported or collected. This is a very important protection for consumers in Washington. Once the debt has been validated, the consumer has the option to dispute the debt in court if they feel the debt is still inaccuraet. In this case, the consumer can ask for the debt to be dismissed or for damages to be paid. With the help of the Consumer Debt Defense Law in Washington, consumers have the right to dispute any debts they feel are inaccurate or invalid. The debt validation letter is an important tool that can help consumers dispute debt and protect themselves from inaccurate or questionable debts.

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What is a debt validation letter?

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