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: Fulton, Georgia — A Letter for Requesting Debt Verification to a Collection Agency Dear [Debt Collector's Name], I hope this letter finds you well. I am writing regarding the debt claimed under [Account Number/Reference Number], which I recently received a validation letter for. In response to your validation letter, I kindly request that you provide me with the necessary documentation to verify the validity of this debt, as mandated by the Fair Debt Collection Practices Act (FD CPA) and other relevant regulations. As a resident of Fulton, Georgia, I understand the importance of transparent and fair debt collection practices, and I seek to be fully informed about any liability claimed against me. Therefore, I request that you furnish the following information to validate the debt: 1. Verification of Creditor: Provide the complete name and contact information of the original creditor, to whom the alleged debt is owed. 2. Verification of Debt Amount: Please provide a detailed breakdown of the principal amount claimed, along with any interest, charges, or fees that have been added to the original debt. This includes information on when and how these calculations were made. 3. Proof of Agreement: I request that you provide a copy of the original signed agreement or contract associated with the alleged debt, showing that I indeed owe the stated amount. 4. Proof of Assignment: Please provide documentation proving that you have been assigned or legally authorized to collect this debt on behalf of the original creditor. 5. Verification of Validity Period: I kindly ask you to clarify the statute of limitations for debt collection in the state of Georgia and how it applies to this particular debt. 6. Documentation Chain: I request a complete chain of documentation, demonstrating the trail of ownership and transfers from the original creditor to the collection agency. This includes all relevant account statements and payment history. I understand that providing the requested information might require some time and effort on your part. However, it is crucial for me to assess the legitimacy of this debt and ensure that my rights are protected. Please note that until the verification process is complete, and I receive the required documentation, all collection activities must cease in accordance with the FD CPA guidelines. This includes any communication attempts, reporting the debt to credit bureaus, or pursuing legal actions. I kindly request that you respond to this letter within 30 days of your receipt. In case you cannot validate the debt, I expect a written notice stating so, and the debt should be removed from my records accordingly. Thank you for your prompt attention to this matter. I expect a fair and timely resolution regarding the verification of this debt. Your cooperation is greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Note: It is essential to consult with a legal professional when crafting this type of letter. Different attorneys may recommend slight modifications based on individual circumstances.
Subject: Fulton, Georgia — A Letter for Requesting Debt Verification to a Collection Agency Dear [Debt Collector's Name], I hope this letter finds you well. I am writing regarding the debt claimed under [Account Number/Reference Number], which I recently received a validation letter for. In response to your validation letter, I kindly request that you provide me with the necessary documentation to verify the validity of this debt, as mandated by the Fair Debt Collection Practices Act (FD CPA) and other relevant regulations. As a resident of Fulton, Georgia, I understand the importance of transparent and fair debt collection practices, and I seek to be fully informed about any liability claimed against me. Therefore, I request that you furnish the following information to validate the debt: 1. Verification of Creditor: Provide the complete name and contact information of the original creditor, to whom the alleged debt is owed. 2. Verification of Debt Amount: Please provide a detailed breakdown of the principal amount claimed, along with any interest, charges, or fees that have been added to the original debt. This includes information on when and how these calculations were made. 3. Proof of Agreement: I request that you provide a copy of the original signed agreement or contract associated with the alleged debt, showing that I indeed owe the stated amount. 4. Proof of Assignment: Please provide documentation proving that you have been assigned or legally authorized to collect this debt on behalf of the original creditor. 5. Verification of Validity Period: I kindly ask you to clarify the statute of limitations for debt collection in the state of Georgia and how it applies to this particular debt. 6. Documentation Chain: I request a complete chain of documentation, demonstrating the trail of ownership and transfers from the original creditor to the collection agency. This includes all relevant account statements and payment history. I understand that providing the requested information might require some time and effort on your part. However, it is crucial for me to assess the legitimacy of this debt and ensure that my rights are protected. Please note that until the verification process is complete, and I receive the required documentation, all collection activities must cease in accordance with the FD CPA guidelines. This includes any communication attempts, reporting the debt to credit bureaus, or pursuing legal actions. I kindly request that you respond to this letter within 30 days of your receipt. In case you cannot validate the debt, I expect a written notice stating so, and the debt should be removed from my records accordingly. Thank you for your prompt attention to this matter. I expect a fair and timely resolution regarding the verification of this debt. Your cooperation is greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Note: It is essential to consult with a legal professional when crafting this type of letter. Different attorneys may recommend slight modifications based on individual circumstances.
