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Back to the drawing board ? Validation/Verification of Debt


reno2360
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This may be stupid but...... what is the difference between validating and verifying a debt?

I see this referred to and there seems to be a problem when a CA is asked to verify a debt and not to validate it? Or the other way around, in other words an "alleged debtor" can get screwed if he or she uses the wrong word.

When we contact a CA do we wish to verify a debt or validate it? Could some explain why?

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By definition, validation is having legal efficacy or force; especially : executed with the proper legal authority and formalities.

Verification is to establish the truth, accuracy, or reality of.

So, a CRA verifies information (makes sure it's accurate), and a CA validates a debt (includes the different "formalities" that make up proper validation).

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