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 in Response to Your Validation Letter — Sacramento, California Dear [Debt Collector's Name], I am writing to you in response to your recent validation letter dated [date] regarding a debt that you claim I owe. Before any further action is taken, it is my right under the Fair Debt Collection Practices Act (FD CPA) to request verification of this debt. I reside in Sacramento, California, and understand my rights as a consumer in this jurisdiction. I kindly request that you provide me with detailed documentation and evidence that proves the validity of this debt you are attempting to collect from me. As per the FD CPA, Section 809(b), you are legally obligated to provide the following information: 1. The amount of the alleged debt, including the date the debt was incurred and the original creditor's name. 2. Verification that you are licensed to collect debts in the state of California. 3. Proof of my consent, whether written or otherwise, acknowledging my obligation to pay this debt. 4. Documentation showing that you are currently authorized to collect on this particular debt. 5. Any agreements or contracts signed by me, if applicable. Moreover, please include copies of any correspondence or written communication, including demand letters or statements, related to this debt, if available. Additionally, it would be helpful if you could provide a detailed payment history, indicating any charges, fees, or interest added to the original amount. I kindly request that you respond to this letter within 30 days of receipt. Failure to provide sufficient evidence and verification of the debt within this timeframe will result in the assumption that the debt is invalid and void, and all collection activities on this account must cease immediately. It is important to note that I exercise my rights under the FD CPA and any violation of these rights will not be taken lightly. Any communication that does not comply with the law, including any attempts to collect a debt that is not properly validated, will be reported to the appropriate regulatory authorities. I expect your prompt attention to this matter and a timely response, in full accordance with the FD CPA. Please provide all requested documentation to the address listed below: [Your Full Name] [Your Address] [Sacramento, California] [ZIP Code] Thank you for your understanding and cooperation. I look forward to receiving the necessary documentation to verify this debt. Yours sincerely, [Your Name] [Your Contact Information]
Subject: Request for Verification of Debt in Response to Your Validation Letter — Sacramento, California Dear [Debt Collector's Name], I am writing to you in response to your recent validation letter dated [date] regarding a debt that you claim I owe. Before any further action is taken, it is my right under the Fair Debt Collection Practices Act (FD CPA) to request verification of this debt. I reside in Sacramento, California, and understand my rights as a consumer in this jurisdiction. I kindly request that you provide me with detailed documentation and evidence that proves the validity of this debt you are attempting to collect from me. As per the FD CPA, Section 809(b), you are legally obligated to provide the following information: 1. The amount of the alleged debt, including the date the debt was incurred and the original creditor's name. 2. Verification that you are licensed to collect debts in the state of California. 3. Proof of my consent, whether written or otherwise, acknowledging my obligation to pay this debt. 4. Documentation showing that you are currently authorized to collect on this particular debt. 5. Any agreements or contracts signed by me, if applicable. Moreover, please include copies of any correspondence or written communication, including demand letters or statements, related to this debt, if available. Additionally, it would be helpful if you could provide a detailed payment history, indicating any charges, fees, or interest added to the original amount. I kindly request that you respond to this letter within 30 days of receipt. Failure to provide sufficient evidence and verification of the debt within this timeframe will result in the assumption that the debt is invalid and void, and all collection activities on this account must cease immediately. It is important to note that I exercise my rights under the FD CPA and any violation of these rights will not be taken lightly. Any communication that does not comply with the law, including any attempts to collect a debt that is not properly validated, will be reported to the appropriate regulatory authorities. I expect your prompt attention to this matter and a timely response, in full accordance with the FD CPA. Please provide all requested documentation to the address listed below: [Your Full Name] [Your Address] [Sacramento, California] [ZIP Code] Thank you for your understanding and cooperation. I look forward to receiving the necessary documentation to verify this debt. Yours sincerely, [Your Name] [Your Contact Information]
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.
