What It Means
Debt validation is a consumer right under the FDCPA that allows you to request proof that a debt collection agency has the legal right to collect a debt and that the amount claimed is accurate. When a collector first contacts you, they must send a written validation notice within 5 days. You then have 30 days to send a written validation request, during which time collection activity must cease until they provide proper documentation. Validation should include the original creditor's name, the amount owed, and proof that the collector owns or is authorized to collect the debt. Debt validation is a powerful tool - if the collector cannot properly validate the debt, they must stop collection efforts and cannot report it to credit bureaus.
Frequently Asked Questions
How do you request debt validation?
Send a written letter to the collection agency within 30 days of their initial contact, requesting proof of the debt. Send it via certified mail with return receipt requested for documentation.
What happens if a collector cannot validate a debt?
If they cannot validate, they must cease collection activity and cannot report the debt to credit bureaus. If they already reported it, they must request removal.