How To Write A Debt Validation Letter For A Lawyer?Why A Validation Letter? If someone just called you up today and informed you that you owed them a few hundred dollars, what would you say? You would probably be a little surprised, and more than a little curious to know why this person thinks you owe them money. One thing you most certainly would not do is break out your checkbook and pay up. So why should a creditor contacting you be any different? It should not be. When someone is attempting to collect a debt from you, you need to find out if they can legally collect this debt, and exactly how much they can prove you owe. A debt validation letter will accomplish both of these things. Don´t assume the debt you are told you owe is your responsibility to pay. Validate the debt first and foremost in every case.
Preparing A Debt Validation Letter For A Lawyer In a debt validation letter, the key is to stick to the facts and keep it simple and direct. Make sure your letter is addressed to the company or collection agency currently making an attempt to collect from you. If this letter is going right to the attorney, make sure the contact information is accurate. Your request should include the following requests for validation information: An explanation of what the money owed was for. A detailed explanation of how interest, penalties, etc. were calculated to find the current total owed. Hard copies of any documentation regarding the alleged debt. The name and contact information of the original creditor if the attorney you are writing to is not them. Proof that the debt statue of limitations per the FDCPA Act has not yet expired Proof of current registration and applicable license to collect debt in the state you live in. Request all this information in your letter, and request the information be furnished to you in no later than 30 days.
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