How to Write Debt Validation Letter

[jlscared]

Can someone help me write a letter. I was contacted by a law office handling an account that Midland sent to them. I'm not sure how to handle this. Thanks.

[LeslieR]

Seriously?

Lots of guidance re. DV in the stickies and primers, as well as the actual CIC website. My advice is to avoid simply adapting a form letter and to keep your DV short and simple.

[LUEser]

User's can be lazy if they want.

A Simple DV. With additional phone protections.

Dear low class lawyer,

I dispute this account in its entirety. Please tell me how you or your client came to these charges.

I demand validation of this debt. Please verify with the Original Creditor.

It is inconvenient for you to contact me on the phone.

My employer doesn't allow calls at work.

I will uphold my rights pursuant to the law.

Or, if you like it long winded,

The letter here is great.

http://www.creditinfocenter.com/forms/sampleletter9.shtml

[LeslieR]

The letter Lueser posts is good to work from, but this and other letters much like it are all over the Internet. It's more likely to be blown off than something short and to the point that somebody in India or making $6.00 an hour at some processing center can comprehend. I'm a big believer that other than citing a statute, speaking legalese is pointless unless you are a legal professional. And when writing my letters, I typically only referred to a particular law, and maybe the section - but nothing more specific than that.

Your request via a DV is simple. They know the law. Whether you assert to them that you know the law is pretty irrelevant at this stage.

[Debt Guy]

Sigh. Why do you want to make this hard?

Under the FDCPA, you only need four words: I dispute this debt.

That is all. You don't need any other language telling them what the law says or your intent to vigorously think bad thoughts at them. Adding other stuff does nothing to make the dispute "more legal" or "more threatening". CAs/DBs get these things by the bale anyway and no one really reads the damn things. They just enter a code in the computer.

Also, if you want, you can write those four words in crayon on toilet paper. Of course, the post office prefers the toilet paper not be used.

[admin]

Sigh. Why do you want to make this hard?

Under the FDCPA, you only need four words: I dispute this debt.

That is all. You don't need any other language telling them what the law says or your intent to vigorously think bad thoughts at them. Adding other stuff does nothing to make the dispute "more legal" or "more threatening". CAs/DBs get these things by the bale anyway and no one really reads the damn things. They just enter a code in the computer.

Also, if you want, you can write those four words in crayon on toilet paper. Of course, the post office prefers the toilet paper not be used.

I agree 100%. Surprise!

[nascar]

Under the FDCPA, you only need four words: I dispute this debt.

This is the text of the body of the last DV letter I sent.

I am in receipt of your initial communication and request for payment, dated [insert Date Here], on the above referenced account.

Please be advised that I dispute this account and, pursuant to 15 U.S.C. 1692g(, request verification thereof.

[debtorshusband]

I'm a believer in providing a few specifics. For example, if you are sure this is not yours, tell them they are contacting the wrong person. Or if you want to know how they arrived at the amount they are demanding, ask them to provide an accounting.

Good luck.

DH