Debt Validation
What is debt validation and how can it help you?
Debt validation is a process by which creditors are held accountable for proving you owe the funds that appear in your name. It is a basic right to challenge debt that may have been wrongfully attributed to you.

The Fair Debt Collection Practices Act (FDCPA) grants every American the right to contest wrongfully attributed debt by written appeal to the collector within 30 days of a collection request – also called the initial communication. A creditor need not necessarily contact you in writing – they may also do so by phone – but must identify themselves clearly and explain to you on whose behalf they are collecting and the amount owed. If the initial communication made by the collector is by phone, they then have 5 days to notify you in writing that what they are claiming is owed. The 30 day counter for contesting the collection will begin as of the date of the call or first letter.
If you don’t receive the written request within five days, although this is a right, you may have received it and not realized and it may have been included in the initial communication with you if it was made in writing (this is legally permissible). In any case, you should act quickly to ensure you don’t miss the 30-day window.
What your creditor’s debt
validation notice must include:
- The identity of the creditor and the stipulation that the name and address of the original creditor may be requested by you in writing
- The sum claimed as owing
- Assertion that if not disputed within 30 days the debt will be considered acknowledged by you
- Notice that you have the right to request debt verification within 30 days of the first communication.
Anatomy of a letter requesting debt validation
Your letter should indicate that you will require a timeframe within which to verify the charge and demand that all collection action cease until verification is completed. This will include reporting to the credit bureaus and other actions that may penalize you.
Your letter should warn that failure to respond to your request within 30 days will indicate abandonment on the part of the creditor.
To ensure your rights are
protected:
- Consult legal counsel
- Be sure to send your debt validation letter by registered / certified mail with proof of receipt for your records
- Validation requests sent after the 30-day period rescind your right to debt validation!
Have your rights been violated?
You can also report the creditor violation to the FCPA, the Federal Trade Commission (FTC) and sue for up to $1000.