Letter of verification of the debt

If you are being contacted by collection agency is trying to collect a debt that has the right to request validation of this debt. With the number of accounts that are in the collection as a result of the tough economy is very easy for mistakes happen. If this is the case and believes he has been contacted by a debt you can not exercise these rights should avoid paying a debt for which noresponsible. The Fair Debt Collection Practices Act (FDCPA) gives you the right to request validation of all claims that the collection agency is trying to collect. The process is called verification of the debt begins when you send a written request to the request for validation of the collection agency debt in question. The letter is called a letter of verification of the debt. The following is a sample letter that will helpI started the documentation process.

Verification sample letter Debt

January 1, 2010

Jane Doe

Main Street

Anytown, 00000 USA

Collection agency name

Address of collection agency

Collection Agency City, State, Zip

Re: Account Number xxxx-xxxx-xxxx-xxxx

To whom it may concern:

I am writing this letter in response to a letter to your agency to me December 15, 2009. I'm sending thisletter as a refusal to pay. Discuss your complaint and request for validation of this debt under the Fair Debt Collection Practices

I am asking that your agency for me to prove they have a legal obligation to repay this debt. The proof must include the following: proof of debt, the name and address of the original creditor and the account number of the original debt. Ask tolicense numbers, as well as its registered agent as proof that you are allowed to collect in my state.

In addition to the items listed above, I ask you to cease all collection activities until the information has been collected and given to me. Includes listing of these debt collection activities and relevant information for this debt on my report credit. If you want to or can not meet this request, file a complaint withFederal Trade Commission and the Attorney General which will result in civil and criminal proceedings being pursued.

Thanks in advance for your cooperation in this matter.

Sincerely,

Jane Doe

This sample letter can be used to respond to a collection agency correspondence. You must take the letter to reflect your personal information and circumstances. For example, if you have been contacted by phone or on behalf of incorrect information reported tocredit bureaus, you must change the language to match your situation. You must send your request within 30 days following notification of the agency for collection. It is also advisable not to use his signature to the bottom of the letter. Rather than print or type the name that some collection agencies have been known to copy or forge signatures on other documents. Before sending the letter (return receipt requested) to make a copy for yourrecords.

Unless and until the debt collector provides the necessary documentation, collection activities must cease on this account.