A Debt Validation Letter is a formal written request to verify that you owe debt as well as how much you owe. The purpose of a Debt Validation Letter is, essentially, to ask for proof that the debt is legitimate.
Generally speaking, creditors and debt collectors are legally obligated to respond to this request, or the debt may be challenged. Regardless of what a debt collector may say by phone, sending a Debt Validation Letter can help to ensure that you do not pay a debt that you do not owe, fall victim to a debt collection scam, or revive an old debt that could potentially be past the statute of limitations.
If you are working on cleaning up your credit or preparing to file for bankruptcy, often the first step is to confirm your debts. Make your own Debt Verification Letter with Rocket Lawyer – it’s as easy as answering a few simple questions!
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