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  1. Debt validation is a scam. All those companies do is send a few validation demand letters and they charge people thousands of dollars for it. This is something you could actually do yourself for free. All you have to do is google "debt validation demand sample letter" and you can print it, download it, whatever. These companies use extremely high pressure sales tactics to get people to enroll. They will tell you to stop paying your creditors, let the accounts go to a collection agency, and they will send the agency a validation demand letter and the agency won't be able to validate it. T