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Demystifying Debt Validation Letters: A Step-by-Step Guide

Posted by Nathan DeLadurantey | Oct 20, 2023

When you find yourself in a situation where you're dealing with a debt collector, it's essential to understand your rights and take appropriate steps to protect yourself. One of the most crucial tools at your disposal is a debt validation letter. In this blog post, we'll demystify the process of sending a debt validation letter, explaining what it is, why it's important, and providing a step-by-step guide on how to compose and send one.

What is a Debt Validation Letter?

A debt validation letter is a written request sent to a debt collector asking them to provide proof that you owe the debt they're attempting to collect. It is your right as a consumer under the Fair Debt Collection Practices Act (FDCPA) to request this information.

Why Is a Debt Validation Letter Important?

Requesting debt validation is crucial for several reasons:

  1. Verify the Debt: Receiving validation ensures that the debt is legitimate and that you indeed owe the amount claimed.

  2. Prevent Errors: Debt collectors can make mistakes, such as collecting the wrong amount or pursuing a debt you've already paid.

  3. Halt Collection Efforts: Once the collector receives your letter, they must cease collection efforts until they provide proper validation. This can buy you time to assess the situation and explore your options.

How to Send a Debt Validation Letter: A Step-by-Step Guide

  1. Understand Your Rights: Before you start drafting your letter, make sure you're aware of your rights under the FDCPA and the specific debt collection laws in your state. Knowledge is power in these situations.

  2. Collect Information: Gather all the details related to the debt, including the name and contact information of the debt collector, the amount claimed, and any reference numbers associated with the debt.

  3. Compose the Letter:

    • Use a formal business letter format.
    • Address the debt collector by name or company name, and include their address.
    • Begin the letter with a clear and concise request for debt validation.
    • Reference the specific debt, including the amount and any account numbers.
    • State that you are aware of your rights under the FDCPA and are requesting validation as allowed by law.
    • Request all relevant documentation and information that proves the debt's validity, such as a copy of the original contract or agreement, a payment history, and any other relevant records.
  4. Keep Copies: Make photocopies of your letter for your records.

  5. Send It Certified Mail: To ensure a verifiable paper trail, send the letter via certified mail with a return receipt requested. This way, you'll have proof that the debt collector received your letter.

  6. Wait for a Response: Once the debt collector receives your validation request, they have 30 days to respond. During this time, they are legally obligated to cease collection efforts.

  7. Review the Response: Carefully review the response from the debt collector. They should provide the documentation and information you requested or inform you if they are unable to validate the debt.

  8. Assess Your Options: Depending on the response, you can decide on your next steps. If they validate the debt, you may need to address it. If they can't provide proper validation, the debt may no longer be collectible.


Sending a debt validation letter is a crucial step in protecting your rights and ensuring that you're not unfairly pursued for a debt. By following the steps outlined in this guide, you can request the validation you're entitled to under the law and make informed decisions about how to handle your debt situation. Remember, knowledge and assertiveness are your best allies in this process.

Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online. 

About the Author

Nathan DeLadurantey

Nathan DeLadurantey ATTORNEY [email protected] Nathan is a skilled consumer lawyer who handles cases and trials all over Wisconsin. Phone consultations are always free and welcomed. Nathan has helped clients receive large jury verdicts and settlements stemming from consumer law violations, and is ready and able to assist.


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