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. Subject: Request for Verification of Debt — Miami-Dade, Florida [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency Name] [Address] [City, State, Zip Code] Re: Account Number: [Account Number] Debt Amount: [Amount Owed] Dear Sir/Madam, I am writing in response to your recent validation letter regarding the above-referenced debt. I would like to request further verification of this debt to ensure its accuracy and to understand my rights in this matter. As a resident of Miami-Dade, Florida, I understand that both federal and state laws protect consumers like myself from unfair debt collection practices. Therefore, I am entitled to receive proper validation of the debt in question before any further actions are taken. To initiate this process, I kindly request the following information: 1. Proof of the Creditor's Identity: Please provide documentation that confirms the name and contact information of the original creditor, along with any relevant account numbers. 2. Detailed Account Statement: I request a detailed account statement outlining the original amount of the debt, any fees or interest that have been added, and a breakdown of all payments made, if applicable. 3. Agreement or Contract: If there was a contractual agreement between myself and the original creditor, please provide a copy of the agreement, including any amendments or modifications made over time. 4. Account Verification: I request evidence that proves the debt belongs to me and that the debt collection agency is legally authorized to collect on behalf of the original creditor. This includes documentation such as account statements, letters, or other relevant information linking me to this particular debt. 5. Chain of Ownership: If the debt has been assigned, sold, or transferred to your agency, I request documentation establishing a clear chain of ownership over the debt, demonstrating that your agency has the legal right to collect it. Please note that simply providing a summary statement with the initial validation letter is insufficient to fulfill your legal obligation to verify the debt. Additionally, it is important to mention that if the debt collection agency fails to provide adequate verification within 30 days of receiving this letter, I reserve the right to dispute the debt as inaccurate, as allowed by the Fair Debt Collection Practices Act (FD CPA) and the Florida Consumer Collection Practices Act (FC CPA). Furthermore, under the above-mentioned acts, please be aware that any attempts to collect this debt without proper validation or continuing to report it to credit bureaus during this verification process will be deemed a violation of my rights. I will not hesitate to take appropriate legal action if necessary to protect my rights as a consumer. I kindly request your prompt attention to this matter and look forward to receiving the verified documentation within the legally provided timeframe. Thank you for your understanding and cooperation. Sincerely, [Your Name]
Subject: Request for Verification of Debt — Miami-Dade, Florida [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Debt Collection Agency Name] [Address] [City, State, Zip Code] Re: Account Number: [Account Number] Debt Amount: [Amount Owed] Dear Sir/Madam, I am writing in response to your recent validation letter regarding the above-referenced debt. I would like to request further verification of this debt to ensure its accuracy and to understand my rights in this matter. As a resident of Miami-Dade, Florida, I understand that both federal and state laws protect consumers like myself from unfair debt collection practices. Therefore, I am entitled to receive proper validation of the debt in question before any further actions are taken. To initiate this process, I kindly request the following information: 1. Proof of the Creditor's Identity: Please provide documentation that confirms the name and contact information of the original creditor, along with any relevant account numbers. 2. Detailed Account Statement: I request a detailed account statement outlining the original amount of the debt, any fees or interest that have been added, and a breakdown of all payments made, if applicable. 3. Agreement or Contract: If there was a contractual agreement between myself and the original creditor, please provide a copy of the agreement, including any amendments or modifications made over time. 4. Account Verification: I request evidence that proves the debt belongs to me and that the debt collection agency is legally authorized to collect on behalf of the original creditor. This includes documentation such as account statements, letters, or other relevant information linking me to this particular debt. 5. Chain of Ownership: If the debt has been assigned, sold, or transferred to your agency, I request documentation establishing a clear chain of ownership over the debt, demonstrating that your agency has the legal right to collect it. Please note that simply providing a summary statement with the initial validation letter is insufficient to fulfill your legal obligation to verify the debt. Additionally, it is important to mention that if the debt collection agency fails to provide adequate verification within 30 days of receiving this letter, I reserve the right to dispute the debt as inaccurate, as allowed by the Fair Debt Collection Practices Act (FD CPA) and the Florida Consumer Collection Practices Act (FC CPA). Furthermore, under the above-mentioned acts, please be aware that any attempts to collect this debt without proper validation or continuing to report it to credit bureaus during this verification process will be deemed a violation of my rights. I will not hesitate to take appropriate legal action if necessary to protect my rights as a consumer. I kindly request your prompt attention to this matter and look forward to receiving the verified documentation within the legally provided timeframe. Thank you for your understanding and cooperation. 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.
