What is validation of debt?

Validation of debt is a process in California in which a debtor can challenge the legitimacy of a debt. It gives debtors the right to demand that debt collectors prove that the debt is valid. Debt collectors must provide evidence that the debt is real and that it is owed to them. Validation of debt is a process that is required by California Law and is part of the Fair Debt Collection Practices Act. If a debtor has been contacted by a debt collector then they have the legal right to request that the debt is validated before they agree to pay the debt. Debt collectors must provide the debtor with documentation proving that the debt is valid. This may include a statement from the original creditor stating the amount and date of the debt, as well as the terms and conditions of the loan. If the debt collector is unable to provide valid documentation about the debt, then the debt may be deemed invalid and the debt collector will no longer be able to pursue it. It is important to remember that a debt collector has the legal right to sue a debtor for an unpaid debt, so validation of debt can be an important tool in preventing large legal fees and long-term collection processes.

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What is validation of debt?

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