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how do i get a debt validation letter?

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brannonusmc

Joined: 20 Oct 2009
brannonusmc's page
Posts: 1

18 Magic Points

Subject: how do i get a debt validation letter?

Tue Oct 20, 2009 4:39 pm

help

debranewell2008

Joined: 10 Oct 2009
debranewell2008's page
Posts: 421

7253 Magic Points

Tue Oct 20, 2009 5:43 pm

Look at the helpful Resources section under Letters of Credit at the side of this page. You should find one listed there.

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1093

25288 Magic Points

Wed Oct 21, 2009 4:57 am

Hi Brannonusmc,

You will find a sample debt validation letter in the following link: http://www.creditmagic.org/repair/sampleletter-debtvalidation.html

Hope this helps.
_________________
All the Best Smile

Justin

SIA

Joined: 18 Oct 2009
SIA's page
Posts: 59

1278 Magic Points

Wed Oct 21, 2009 2:37 pm

It's possible the debt validation notice was included with the first communication. Under the FDCPA, this is allowed as long as the notice is made in writing. Perhaps you missed the debt validation notice. In any case, you can send your request for debt validation regardless of receiving the debt validation notice from the debt collector. Make sure you send request before the 30-day period has ended to ensure your rights are protected.

SIA

Joined: 18 Oct 2009
SIA's page
Posts: 59

1278 Magic Points

Wed Oct 21, 2009 2:39 pm

The collector's debt validation notice to you should be made in writing. It should include the following:
1) amount of the debt
2) the name of the creditor
3) the assumption that the debt will be valid unless you dispute it within 30 days
4) notification that you can request verification of the debt within 30 days
5) notification that you can request the name and address of the original creditor within 30 days

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