Validation Of Debt Letter Template

From:
[Your Name]
[Your Address]
[City, State, Zip Code]
[Your Phone Number]
[Your Email Address]

To:
[Debtor’s Name]
[Debtor’s Address]
[City, State, Zip Code]

Date:
[Date]

Subject:
Validation Of Debt

Introduction:
This letter serves as a formal request for validation of the debt that is currently being asserted against you by [Creditor’s Name]. As per the Fair Debt Collection Practices Act (FDCPA), you have the right to request the verification of this debt.

Details of the Debt:
It is our understanding that you owe a debt in the amount of [Amount Owed]. The original creditor is [Original Creditor’s Name], and the account number associated with this debt is [Account Number].

Request for Validation:
Please provide the following information to validate the debt:
1. The amount of the debt.
2. The name of the creditor to whom the debt is currently owed.
3. A copy of the original contract or any documents that demonstrate your obligation to pay this debt.
4. A detailed account statement or history of the account showing all charges, payments, and any remaining balance.

Important Notice:
Until this debt is validated, all collection activities should cease. If you do not provide the requested validation within 30 days, we will assume the debt is not valid and will take appropriate actions to protect our rights.

Conclusion:
We appreciate your prompt attention to this matter. Please respond to this letter at your earliest convenience at the address listed above.

Sincerely,
[Your Signature (if sending a hard copy)]
[Your Name]
[Your Title, if applicable]

From:
[Your Name]
[Your Address]
[City, State, Zip Code]
[Your Phone Number]
[Your Email Address]

To:
[Debtor’s Name]
[Debtor’s Address]
[City, State, Zip Code]

Date:
[Date]

Subject:
Request for Debt Validation

Purpose of the Letter:
I am writing to request verification of the debt you have claimed I owe. According to the Fair Debt Collection Practices Act, I have the right to dispute this debt and request a validation of the amount and the legitimacy thereof.

Debt Information:
I understand that the claimed amount is [Amount Owed]. Please also confirm the original creditor, which is [Original Creditor’s Name], and the account number associated with this debt, which is [Account Number].

Request for Documentation:
To properly validate the debt, please provide:
1. Detailed breakdown of the debt and all charges included.
2. Copy of any judgment if applicable.
3. Evidence showing that you have the authority to collect this debt.

Rights Notice:
Please be advised that if you fail to provide validation within 30 days of this letter, I will consider this matter resolved and may notify consumer protection agencies accordingly.

Thank You:
Thank you for your cooperation and understanding in this matter. I look forward to your prompt response.

Sincerely,
[Your Signature (if sending a hard copy)]
[Your Name]
[Your Title, if applicable]