What is a Debt Validation Letter? Advice for Wisconsin Consumers
A debt validation letter is a written request to a debt collector asking them to provide proof that the debt they are attempting to collect from you is valid and that they have the legal right to collect it. You can always schedule a free consultation with Attorney Nate DeLadurantey and he would be happy to answer your questions! Meanwhile, here are a few ideas:
Under the Fair Debt Collection Practices Act (FDCPA), consumers have the right to request validation of a debt within 30 days of receiving a collection notice. The letter should be sent via certified mail, return receipt requested, and should include your name, address, and account number.
Once the debt collector receives your validation request, they must provide you with documentation that proves the debt is valid, such as a copy of the original creditor's invoice or contract, within five days of receipt. If they cannot provide adequate proof of the debt, they are required by law to stop all collection activities.
Sending a debt validation letter can be a helpful way to ensure that the debt is legitimate and that you are not being targeted by a scam or identity theft. It is important to keep a copy of the letter and any documentation received from the debt collector for your records.
Some people feel like talking to a lawyer is intimidating - or that they'll get stuck with a large bill. As you can see from the reviews of other people that received a free consultation (or were a client), Attorney DeLadurantey is always welcome to provide free consultations and is easy to talk with. Pick up the phone and make sure your rights are being protected. We provide representation in cases in Wisconsin, including Racine, Kenosha, Green Bay, Appleton, the Fox Valley, Milwaukee, West Allis, Waukesha, Walworth County, Dane County, Madison, La Crosse, Eau Claire, Superior, Ashland, and anywhere in-between.