debt validation

Debt validation is the process by which a person can request proof that a debt is legitimate and owed by them. If a collector contacts you about a debt, you can ask them to provide documentation that verifies the amount and details of the debt. This is important because it helps ensure you are not paying for a debt that isn’t yours or is inaccurate. Under the Fair Debt Collection Practices Act, you have the right to dispute the debt and require the collector to provide this validation within a specific time frame.