Insert Pages To Legal New Jersey Fair Debt Credit Forms For Free

Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and to who, as well as when you need to pay the debt. If you're still uncertain about the debt you're being asked to pay, you can request a debt verification letter to get more information.

A good debt verification letter should include: Your name and contact information. The debt collector's name and contact information (found on the debt validation letter) A short statement of the letter's intent.

While debt validation requests can be a useful tool, they are not effective at resolving the issue. In most cases, creditors and collection agencies are able to provide the necessary documentation to prove the validity of the debt.

To further establish as evidence the date and fact that you sent the debt collector a DV letter, it's a good idea to have someone else mail your DV letter along with an "Affidavit of Mailing". This signed and notarized affidavit by a third party will firmly establish your evidence of mailing the DV letter.

The Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair or deceptive practices when attempting to collect a debt. ? legal action will be taken against you, if doing so would be illegal or if they don't intend to take the action.

I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for ?verification? or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec.