How to make a debt validation letter (In 2 steps!)

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Go here to make your Debt Validaiton Letter:

How to Make a Debt Validation Letter
Deadline is 30 days
15 USC 1692g — Fair Debt Collection Practices Act §809 (30 day deadline.png)

2 steps
Write the Letter
Send the Letter

“You’d be silly not to drop a few bucks and possibly save yourself thousands in the process. I can’t thank you all enough for making an overwhelming situation something handleable.”

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Step 1: Write the Letter
What is a Debt Validation Letter?
The FDCPA says the debt collector needs to include five points in its communication with you, within five days of its first contact with you.

The amount of the debt.
The name of the creditor.
The collector will assume the debt is valid unless the consumer sends them a Debt Validation Letter within 30 days.
If you send the collector a Debt Validation Letter they will need to mail you validation of the debt.
If you send them a Debt Validation Letter they will need to mail you the name and address of the original creditor.

Then you have 30 days to send them a Debt Validation Letter asserting a bunch of stuff
FDCPA says: If the consumer notifies the debt collector in writing within the thirty-day period . . . that the debt, or any portion thereof, is disputed . . . the debt collector shall cease collection of the debt . . . until the debt collector obtains verification of the debt . . . and a copy of such verification . . . is mailed to the consumer by the debt collector.

Write the Letter
Start with the info for both parties
Address them however you want: you can even use “Wazzup!”
Next lay out the basics
Specify how you were contacted
Provide info to help the collector identify the debt.
State that you dispute the debt
Make your requests
Don’t contact me except to validate the debt.
Report to the credit bureaus that the debt is disputed.
Provide all of this information to verify the debt
Proof I owe the debt
The amount of the debt
The age of the debt
Your ownership of the debt
Your debt collector license, or right to collect on the debt in my state
A calculation of whether the statute of limitations has expired for collecting the debt.
The last action taken on the account
If you validate the debt, cease contacting me for any reason other than to tell me you’re suing me.
Close by threatening legal action.
Step 2: Mail the Letter
Simple but complicated.
You need a printer and to know how to use the post office.
We’ve found the best method to mail them is priority mail. The tracking number is sufficient.
Certified mail is a disaster. Only do it if you have all day.
Return receipt doesn’t seem necessary
Same with signature request.

“I really was wary because of all the websites out there but boy was I surprised at the quality, timely response I received! ! ! ! ! (5 exclamation points) I’m like most people living paycheck to paycheck, but this was the best investment I’ve ever made. Thank you!” – Dixie

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disputing debts on credit report

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1 Response

  1. Herb Blun Jr says:

    I have one collection from a cable provider can your company fix that too?

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