Sample of a Debt Validation Letter For the Collection Agency

If you are unsure of a debt that a collector has contacted you about the first thing you must do is send a debt validation letter to the collection agency that is constantly calling you. The purpose of the letter is to make sure the collection company has rights to collect money from you in the first place.

Suppose you paid the debt collector. Later down the road, the original creditor calls you and says you still owe the money that you paid the creditor because they were not related to the collection agency in anyway.

This is where debt validation kicks in. According to the Fair Debt Collections practices act you have a right to make an agency validate a debt. The purpose of this act is to protect consumers that constantly deal with collection agencies. You have 30 days from the day you first talk to a debt collector to send a validation letter. If you do not do this your rights will not be protected.

Below is a sample of an appropriate validation letter to send to a collections agency.

Smyth & Proctor Collection Agency
1700 East 33rd Street Baltimore, MD 21251

To Whom It May Concern,

My name is First Last. I am writing you because I was recently contacted from this company about a debt that your company claims I owe. This is NOT a refusal to pay but I do not recall ever having doing business with this company and I am uncertain if you can legally collect monies from me for this debt.

The fair debt collection practices act, 15 USC 1692g Sec. 809 states that I have am allowed to dispute this debt. I have chosen to exercise this right. I am, therefore, choosing to exercise this right as much as I legally can.
On that note I am requesting that you send me these documents as verification of the debt: the name and address of the original creditor, how you calculated the amount you say I owe you, and the license that you are legally able to operate in my state.

I am aware of my rights under the fair debt collection practices act which states that you cannot attempt to collect the debt from me until you validate this debt. I am also aware you're your company is not allowed to place negative/derogatory/misleading information on my credit report. If I find out that you have violated this right I will call my lawyer and take legal action.

If I do not receive a response about this matter in 30 days you no longer have a right to attempt to collect a debt. You are also not allowed to communicate with my spouse, lawyer, or anyone I have relationships with; this is the law please respect my legal rights.

From this point forward you are only to contact me in writing at the address on this letter. The purpose of this letter was to get you to fix your records for an account that I am legally disputing.

Sincerely,

First Last

Sample debt collection letters

letters of debt collection are debt instruments in the process. The goal is to remind borrowers of their responsibility. Also evidence of communication necessary for the court, while revenue dispute. The federal law, FDCPA, insists on a standard methodology for the letter. The use of words or style collection of unlawful debt records is a violation of the law. To avoid these difficult circumstances, sample letters can beused as road maps for the collection of standard card debt. Displays debt collection letters describe the content and style of letters of credit recovery.

sample letters collection debt act as a guide for implementing acts. FDCPA regulations protect the rights of the debtor. The law has a special focus to include not abusive, harassing and misleading statements in the mail. Showsletters exemplify the model of communication rights. The procedure usually involves a letter within 5 days from the first phone call to the debtor in order to clarify the details. In the absence of a favorable response, debt collectors to send reminders. sample letters are available for each format, either reminders or warning letters champion of champions.

cards are examples of information resources for letters of credit recovery. provide a summary, butCan not be copied as such. However, some points are also made available in which only the details such as name, amount owed and the date should be added. They are supplied pre-formatted version, suitable for different circumstances.

Sample letters of credit recovery are generally carried out by experts in the debt collection industry. Section 812 of the Act imposes civil liability for providing examples of deceptive letters. Internet is the best sourceat hand. sample letters are usually available on the websites of lawyers and debt agencies. Some sites provide free sample letters. Format of the previous sample of letters of credit recovery can be downloaded and used as original letters with the necessary modifications. sample letters are included in the book and training modules in the collection of debt.

Sample Letter of validation to the collection agency debt

If you are not sure that a debt collector contact you first thing to do is send a letter to the collection agency debt validation is constantly calling. The purpose of this letter is to ensure that the collection company is entitled to collect your money first.

Suppose you paid the debt collector. Later in the way, the original creditor calls you and says that still I have the money they have paidthe creditor, as they were not related to collection agency anyway.

It is here that the debt validation kicks in. According to the Law Fair Debt Collection Practices you are entitled to an agency to validate a debt. The purpose of this law is to protect consumers who are constantly facing agencies collection. You have 30 days after first talking to a debt collector to send a validationletter. If your rights are protected.

Below is an example of a validation letter should be sent to collections agency.

Procter & Smyth Collection Agency
1700 East 33rd Street Baltimore, MD 21 251

To whom it may concern,

My name and surname. I write because I recently contacted the company about a debt that the company claims I owe. This is not a refusal to pay, but I do not remember do business with this company and I wonder if you can legally raise money for my share of that debt.

The fair debt collection Practices Act, 15 USC Section 1692g. 809 states that allowed me to challenge this course. I chose to exercise that right. They are, therefore, choose to exercise that right as I can legally.
This note is a request that I send these documents to verify> Debt: The name and address of the original creditor, is calculated as the sum which I must say that I, and the license that you are legally able to work in my state.

I am aware of my rights under the debt collection fair practices act, which says it is unable to collect the debt groping me until you validate this debt. They are also aware that their company is not allowed to put negative or derogatory / misleadinginformation on my credit report. If you find that you have violated this law will call my lawyer and take legal action.

If you do not get an answer on this issue in 30 days and no longer have to grope for the right to collect a debt. You are not allowed to communicate with my wife, lawyer, or anyone who might be connected with this is the law, please respect my legal rights.

From here on out is just to contact me in writing thisletter. The purpose of this note was left to arrange their files of an account that I am legally challenging.

Sincerely,

Surname