debt validation letter

A debt validation letter is a written request you can send to a debt collector to verify that a debt they are claiming you owe is legitimate. It asks for detailed information about the debt, such as the amount owed, the original creditor, and proof that the collector has the right to collect it. This process helps ensure you are not paying a debt you don't owe or falling victim to errors or scams. Under the law, debt collectors are required to provide this validation if you request it within a certain time frame.