Pursuant to 15 USC 1692g (Sec. 809 of the Federal Debt Collection Practices Act), a debtor is allowed to challenge the validity of a debt that a collection agency states you owe to the creditor they represent. Use this form letter requires that the agency verify that the debt is actually the alleged creditor's and owed by the alleged debtor.
Illinois Letter Requesting a Collection Agency to Validate a Debt that You Allegedly Owe a Creditor
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How to fill out Illinois Letter Requesting A Collection Agency To Validate A Debt That You Allegedly Owe A Creditor?
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FAQ
A debt validation letter should include the name of your creditor, how much you supposedly owe, and information on how to dispute the debt. After receiving a debt validation letter, you have 30 days to dispute the debt and request written evidence of it from the debt collector.
To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.
I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
The name of the creditor. The assumption that the debt will be valid unless you dispute it within 30 days. Notification that you can request verification of the debt within 30 days. Notification that you can request the name and address of the original creditor within 30 days2feff
At a minimum, proper debt validation should include an account balance along with an explanation of how the amount was derived. But most debt collectors respond with an account statement from the original creditor as debt validation and that's generally considered sufficient.
Write and Mail a Letter State that you're requesting validation of the debt or removal of the debt from your credit report. Then mail the letter and request a return receipt so you have proof that you sent it and that the collection agency received it.
How to Write a Debt Verification LetterDetermine the exact amounts you owe.Gather documents that verify your debt.Get information on who you owe.Determine how old the debt is.Place a pause on the collection proceedings.
The key is to be thorough in your request for debt verification. In your letter, ask for details on: Why the collector thinks you owe the debt: Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract.
To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.
A debt validation letter is what a debt collector sends you to prove that you owe them money. This letter shows you the details of a specific debt, outlines what you owe, who you owe it to, and when they need you to pay.
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This is important because, under the Federal Fair Debt Collection Practices Act, your legal rights to obtain verification information from a debt collector are ... (a) Collection agencies engaged in the business of collecting child support debt owing under a court order as provided under the Illinois Public Aid Code, ...Creditor-clients initiate debt collection by filling out a "Start Service"or to request validation of the total debt figures stated in their letters. Second Letter Requesting a Collection Agency to Validate a Debt that You Allegedly Owe a CreditorHow do I write a letter requesting debt validation? (4) a statement that if the consumer notifies the debt collector in writingBank retained the Gertler law firm to collect the $1,221.03 allegedly owed. (The creditor's outside collection attorney is a ?debt collector? if thea debt such consumer allegedly owes such creditor, when in fact ... Following is a sample debt validation letter that you can use to request the creditor/collection agency verify that the debt is actually yours and you are ... If you receive a communication from a party claiming that a debt is owed, you should request a ?written validation notice,? which must include ... Yes, you may be able to sue a debt collector or a debt collectionless than what the consumer owes ? creditors generally prefer to get ... Debt collection: Suits brought by original creditors or debt buyers claiming unpaid medical, credit card, auto, and other types of consumer debt ...