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. Types of Cook Illinois Letter to Debt Collector Seeking Verification of a Debt in Response to their Validation Letter: 1. Cook Illinois Letter to Debt Collector Seeking Verification of a Debt 2. Cook Illinois Letter Requesting Validation of a Debt in Response to Debt Collector's Validation Letter 3. Cook Illinois Letter Contesting Debt and Requesting Verification from Debt Collector 4. Cook Illinois Letter Seeking Proof of Debt in Response to Validation Notice from Debt Collector 5. Cook Illinois Letter Demanding Verification of Debt in Response to Debt Collector's Validation Request Content: [Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip Code] Subject: Request for Verification and Validation of Debt Dear [Debt Collector's Name], I am writing this letter in response to your recent communication regarding an alleged debt owned by me, which you claim is owed to [Original Creditor]. After receiving your validation letter dated [Date of Validation Letter], I am writing to formally request verification and validation of the debt, as per my rights under the Fair Debt Collection Practices Act (FD CPA) and other applicable laws. To ensure that I have a complete understanding of the debt you allege I owe, I kindly request that you provide the following information: 1. A detailed account statement outlining the nature of the debt, including the original amount owed, any interest or fees applied, and a breakdown of charges. 2. Copies of any original signed agreements or contracts between myself and the original creditor, clearly demonstrating my liability for the alleged debt. 3. Verification of your legal authority to collect this debt, including proof of ownership or assignment from the original creditor. 4. Proof that the statute of limitations has not expired for this debt in the state of Illinois. 5. Documentation displaying your licensing and registration to operate as a debt collector in the state of Illinois, as required by law. Please note that I am hereby exercising my right to request all the necessary information to validate this debt within the allotted 30-day window, as outlined in the FD CPA. I kindly request that you consider this letter as my formal dispute of the alleged debt until such time as you provide the requested verification. I also remind you that any further attempts to collect or report this debt while it remains in dispute would be in violation of my rights under the FD CPA. Therefore, I expect all collection activity, including phone calls, letters, or reporting to credit bureaus, to cease until the necessary verification is provided. I urge you to initiate an investigation into this matter promptly to avoid any potential legal consequences. Please respond to this letter within 30 days of your receipt, providing the requested validation and verification. Should you fail to comply with this request, I reserve the right to take appropriate legal action to protect my rights under the FD CPA. Thank you for your attention to this matter. I look forward to receiving the requested documentation and a resolution to this dispute. Yours sincerely, [Your Name]
Types of Cook Illinois Letter to Debt Collector Seeking Verification of a Debt in Response to their Validation Letter: 1. Cook Illinois Letter to Debt Collector Seeking Verification of a Debt 2. Cook Illinois Letter Requesting Validation of a Debt in Response to Debt Collector's Validation Letter 3. Cook Illinois Letter Contesting Debt and Requesting Verification from Debt Collector 4. Cook Illinois Letter Seeking Proof of Debt in Response to Validation Notice from Debt Collector 5. Cook Illinois Letter Demanding Verification of Debt in Response to Debt Collector's Validation Request Content: [Your Name] [Your Address] [City, State, Zip Code] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, Zip Code] Subject: Request for Verification and Validation of Debt Dear [Debt Collector's Name], I am writing this letter in response to your recent communication regarding an alleged debt owned by me, which you claim is owed to [Original Creditor]. After receiving your validation letter dated [Date of Validation Letter], I am writing to formally request verification and validation of the debt, as per my rights under the Fair Debt Collection Practices Act (FD CPA) and other applicable laws. To ensure that I have a complete understanding of the debt you allege I owe, I kindly request that you provide the following information: 1. A detailed account statement outlining the nature of the debt, including the original amount owed, any interest or fees applied, and a breakdown of charges. 2. Copies of any original signed agreements or contracts between myself and the original creditor, clearly demonstrating my liability for the alleged debt. 3. Verification of your legal authority to collect this debt, including proof of ownership or assignment from the original creditor. 4. Proof that the statute of limitations has not expired for this debt in the state of Illinois. 5. Documentation displaying your licensing and registration to operate as a debt collector in the state of Illinois, as required by law. Please note that I am hereby exercising my right to request all the necessary information to validate this debt within the allotted 30-day window, as outlined in the FD CPA. I kindly request that you consider this letter as my formal dispute of the alleged debt until such time as you provide the requested verification. I also remind you that any further attempts to collect or report this debt while it remains in dispute would be in violation of my rights under the FD CPA. Therefore, I expect all collection activity, including phone calls, letters, or reporting to credit bureaus, to cease until the necessary verification is provided. I urge you to initiate an investigation into this matter promptly to avoid any potential legal consequences. Please respond to this letter within 30 days of your receipt, providing the requested validation and verification. Should you fail to comply with this request, I reserve the right to take appropriate legal action to protect my rights under the FD CPA. Thank you for your attention to this matter. I look forward to receiving the requested documentation and a resolution to this dispute. Yours sincerely, [Your Name]
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.
