Use this form to help you respond to a debt collector's validation letter. You can respond by disputing the debt or any portion of it, asking fthe debt collector to verify the amount or validity of the debt, or request the name and contact information of the original creditor.
If you respond in writing within the 30 day period, the debt collector must stop attempting to collect the debt, or any disputed portion, until they verify the debt and mail you a response.
This form also also includes follow-up letters in the even the debt collector does not respond or continues attmpting to collect the debt after you requested verification. Dear Debt Collector, I am writing to seek verification of a debt that you have recently claimed I owe, as stated in your validation letter dated [date]. I received your letter and would like to exercise my rights under the Fair Debt Collection Practices Act (FD CPA) to request validation of the alleged debt. Firstly, let me provide some background information. I currently reside in Bronx, New York, which is one of the five boroughs of New York City, renowned for its rich history, diverse culture, and vibrant community. Bronx is home to numerous attractions such as the Bronx Zoo, the New York Botanical Garden, and Yankee Stadium, making it an appealing place to live and work. Now, back to the matter at hand. Your validation letter claims that I owe a debt to [creditor's name]. However, before proceeding further, I kindly request that you provide me with the necessary documentation and information to establish the validity of this debt. This includes: 1. Documentation proving that I have a contractual obligation or agreement regarding the alleged debt. 2. Details of the original creditor, including their contact information and the nature of the debt. 3. Copies of any written agreements or contracts between me and the original creditor. 4. A complete payment history, including the dates and amounts of all payments made. 5. Any records of communication or correspondence related to this debt. Please ensure that all documentation provided is complete, accurate, and applicable to the alleged debt. I understand that as per the FD CPA, you are required to provide this information upon my request and prior to taking any further collection actions against me. I would also like to emphasize that I fully intend to cooperate and resolve any valid debts that I may owe. My primary objective is to ensure that the debt in question is legitimate, and to determine the accuracy of the information provided by your agency. Please note that if you fail to provide the requested information or if it is found to be incomplete or inaccurate, I will consider the debt to be invalid, and I will expect any negative reporting to credit bureaus to be promptly removed. I appreciate your attention to this matter and look forward to your prompt response within 30 days from the date of this letter, as per the FD CPA guidelines. Your cooperation will help establish a fair resolution, should the alleged debt prove to be valid. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code]
Dear Debt Collector, I am writing to seek verification of a debt that you have recently claimed I owe, as stated in your validation letter dated [date]. I received your letter and would like to exercise my rights under the Fair Debt Collection Practices Act (FD CPA) to request validation of the alleged debt. Firstly, let me provide some background information. I currently reside in Bronx, New York, which is one of the five boroughs of New York City, renowned for its rich history, diverse culture, and vibrant community. Bronx is home to numerous attractions such as the Bronx Zoo, the New York Botanical Garden, and Yankee Stadium, making it an appealing place to live and work. Now, back to the matter at hand. Your validation letter claims that I owe a debt to [creditor's name]. However, before proceeding further, I kindly request that you provide me with the necessary documentation and information to establish the validity of this debt. This includes: 1. Documentation proving that I have a contractual obligation or agreement regarding the alleged debt. 2. Details of the original creditor, including their contact information and the nature of the debt. 3. Copies of any written agreements or contracts between me and the original creditor. 4. A complete payment history, including the dates and amounts of all payments made. 5. Any records of communication or correspondence related to this debt. Please ensure that all documentation provided is complete, accurate, and applicable to the alleged debt. I understand that as per the FD CPA, you are required to provide this information upon my request and prior to taking any further collection actions against me. I would also like to emphasize that I fully intend to cooperate and resolve any valid debts that I may owe. My primary objective is to ensure that the debt in question is legitimate, and to determine the accuracy of the information provided by your agency. Please note that if you fail to provide the requested information or if it is found to be incomplete or inaccurate, I will consider the debt to be invalid, and I will expect any negative reporting to credit bureaus to be promptly removed. I appreciate your attention to this matter and look forward to your prompt response within 30 days from the date of this letter, as per the FD CPA guidelines. Your cooperation will help establish a fair resolution, should the alleged debt prove to be valid. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
