A debt validation letter is a notice debt collectors must send to help you determine that a debt actually belongs to you. Many, or all, of the products featured on this page are from our ...

However, a debt validation letter is different. This is a document sent by a collection agency, showing that the debt exists and you are responsible. A call from a collection agency or debt ...

You also have the option to send a debt validation letter requesting proof that you owe the debt and that they have the right to collect it within 30 days of first being contacted by a collector.

Another strategy that may work in your favor is to request debt validation letters from collectors to ensure they have the legal right to collect the debt and that the amount is accurate.