Number Pages In Legal Illinois Fair Debt Credit Forms For Free

A debt validation letter is a letter that debt collectors must provide that includes information about the size of your debt, when to pay it, and how to dispute it. A debt collection letter essentially proves you owe the debt collector money.

If you've been contacted by a collection agency, the collectors are required to send you a written notice within five days of the first contact. If you have not received a debt validation letter, you have the right to request one by writing a debt verification letter, or a debt dispute letter.

The 7-in-7 rule explained Collectors are permitted to place a call to the consumer about a particular debt seven (7) times within a period of seven (7) consecutive days, so long as no contact is made with the consumer in any of the attempts.

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.

A collector can contact you in person, by mail, telephone, telegram or email. However, a collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.

Setting some specific limitations aside, if you receive a letter or phone call demanding payment on a debt, you can request debt validation by sending a letter to the creditor or collection agency. It's important to make this request in writing, as it provides a written record of your request.