Under the Fair Debt Collection Practices Act, a federal law regulating debt collectors, you can request the debt collector to send proof of the debt. This process is called debt validation. To be valid, your request for debt validation must be submitted in writing. You can dispute the entire debt, part of the debt, or request the name of the original creditor. After receiving your dispute, the debt collector cannot contact you until it has provided you with the requested information. Your debt validation letter should be sent in writing. It's best to send the letter via certified mail with return receipt requested. This way, you have proof of the letter's mailing and receipt by the debt collector. If you have to file a lawsuit against the debt collector, the certified and return receipts will help strengthen your case.
Sample Debt Validation Letter
Here is a sample Debt Validation Letter you can use to send to creditors: