What is a debt validation letter?

A debt validation letter is a type of letter used in California credit repair law that is sent to a creditor to verify the validity of a debt. The letter essentially asks the creditor to provide proof that the debt is owed and that the creditor is legally able to collect on it. This letter can be sent by someone who is disputing an alleged debt or someone who has been accused of owing a debt but does not recognize it. By sending a debt validation letter, the consumer is able to ensure that the creditor is legitimate and that the debt is valid. A debt validation letter typically includes information like the amount of the debt, the date of the debt, the name of the creditor, and any other necessary information. The letter also requests that the creditor provide evidence of the alleged debt, such as billing statements, collection letters, or other forms of proof that the debt exists. If the creditor does not provide evidence of the debt, the consumer may be able to dispute the debt and have it removed from their credit report. In California, creditors must honor a debt validation letter and provide the requested evidence within 30 days of receiving the letter. If they do not, they may be legally obligated to cease all collection attempts and the debt can be removed from the consumer’s credit report. This is why sending a debt validation letter is an important step in credit repair law for California consumers.

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What is a debt validation letter?

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