What is a debt validation letter?

A debt validation letter is a letter that a consumer can send to a debt collector when they are being contacted about a debt. This letter gives the consumer the right to ask for proof that the debt is valid and owed by them. This letter also puts the burden of proof onto the debt collector, as they must provide proof that the debt is legitimately owed before they can continue to try and collect it. In the state of Texas, debt validation letters are an important part of the collection defense law. This law states that a debt collector must provide evidence of the debt, how the debt was incurred, any fees that may have been added, and more. This gives the consumer the right to verify the debt and ask for proof of the debt. It is important for consumers to send debt validation letters when they are being contacted about a debt. When the debt collector is unable to provide the requested evidence, the consumer has the right to dispute the debt and, in some cases, have it removed from their credit report. Additionally, if the debt is validated, the consumer can use this letter to negotiate a more manageable payment plan with the debt collector.

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What is a debt validation letter?

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