At The Wood Firm PLLC, we help consumers protect their rights against aggressive and deceptive debt collection practices. One of your most powerful rights under the Fair Debt Collection Practices Act (FDCPA) is the ability to request debt validation—ensuring that a collector proves the debt is legitimate before they can continue collecting.
What Is Debt Validation?
Debt validation is your legal right to request proof that a debt is legitimate, accurate, and legally owed. If the debt collector cannot validate the debt, they must stop collection efforts.
Steps to Request Debt Validation
1. Send a Debt Validation Letter
You must send a written request to the debt collector within 30 days of their first contact with you. The letter should request:
✔️ Proof that you owe the debt
✔️ A copy of the original agreement (if available)
✔️ The name and contact information of the original creditor
✔️ Verification of the total amount owed (including any interest or fees)
2. Mail It via Certified Mail
Send your Debt Validation Letter via certified mail with a return receipt. This provides proof that the collector received your request.
3. Wait for Their Response
Debt collectors must pause collection efforts until they provide you with proper documentation proving the debt is valid. If they fail to respond, they cannot legally continue pursuing the debt.
What If a Debt Collector Fails to Validate the Debt?
If the collector cannot validate the debt, they:
❌ Cannot report it to credit bureaus
❌ Cannot continue collection efforts
❌ May be violating the FDCPA, allowing you to sue for damages
Need Help Sending a Debt Validation Request?
If you are dealing with debt collectors and need help disputing or validating a debt, The Wood Firm PLLC is here to protect your rights.
📞 Call us at 844-638-1122
📧 Email us at help@protectionforconsumers.com
You have the right to demand proof—don’t let debt collectors take advantage of you!
