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To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.

If you don't receive a validation notice within 10 days of the first contact, request one from the debt collector the next time you're contacted. Ask for the debt collector's mailing address at this time as well, in case you decide to request a debt verification letter.

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

You must make your request in writing within 30 days of the debt collector's initial contact with you. If you wait more than 30 days, your validation request may not be covered under debt collection law. Your rights are not protected if you make your debt validation request over the phone.

Collectors who don't send these letters could get in trouble with the Federal Trade Commission (FTC) if you file a complaint against them. To formally request debt validation, start by sending a letter via certified mail to the debt collector ? LendingTree's debt validation letter template can help you get started.

You shouldn't send a debt validation request online. If you need to send a debt validation request, be sure to send it by certified mail. By sending via certified mail and getting a tracking number, you can prove when the request was sent and received.