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Nearly every time someone is contacted by a debt collector about a debt, they should send the collector a Debt Validation Letter. The letter forces the collector to treat you with respect and to get serious about the matter.

Debt Validation Letter Example I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

A debt validation letter should include the name of your creditor and how much you owe, The letter will include information about when you need to pay the debt and how to dispute it.

Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. This information will help you recognize whether the debt is yours and, if not, how to dispute it.

This information is known as a debt collection validation notice. This notice must include: A statement informing the debtor that the communication being sent to them is from a debt collector. The debt collector's contact information, including their name and mailing address.

While email may be easy, it's not recommended if you need to send a debt validation letter. Instead, send the letter via certified mail with a return receipt so you have proof the creditor received the letter. Or, you can fax it, as long as you keep a copy of the confirmation receipt for your records.