Sample letter 10 - Debt Validation
You don't have to go quoting a bunch of laws and regulations the first time you request debt validation from a collection agency. Really! Merely requesting it is sufficient to start the ball rolling under the FDCPA.
<Name>
<Address>
<Collection Agency>
<Collection Agency Address>
<Date>
Re: Acct XXX-XX-XXXXX
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.
Sincerely,
<Name>
Do you have a question you feel we haven't answered?
For a small fee, you can talk to a counselor on the phone or Buy the Book!
|
