(Note to Bank: This letter of credit must be issued on bank letterhead and the bank must be chartered within the Commonwealth of Massachusetts. How to use the template: 1.In the sample letter, fill in your personal information. Massachusetts Free Debt Validation Letter. Use our debt validation letter to request the validity of a debt. I respectfully request that you provide me with the following: 1. The amount of the debt;. 2. This is an unofficial version of Commonwealth regulations and is posted here for the convenience of the public. How to use this sample letter: 1. Read the background below. 2.