Here is a sample debt validation letter

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Keep a copy for your files and send the letter registered mail.

Your Name
1234 Street Address
City, State Zip

XZY Collections
1234 Street Address
City, State Zip

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern,

This is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that validation is requested because your claim is disputed. This letter is being sent to you in response to a notice sent to me on August 30, 2002.

This is a request for validation of the above debt. I have the right to request for a validation of my debt in accordance with the Fair Debt Collection Practices Act. This is asking for proof regarding this and verifying the same.

Please attach copies of the following with the reply:

1. The signed agreement from the debtor conforming to pay the creditor.
2. The agreement which authorizes the creditor to collect debt on the alleged debt.
3. The documents regarding the payments made on this account validating the amount.

If your offices fail to respond to this request within 30 days from the date of your receipt, all references to this account must be completely removed from my credit file and a copy of such deletion request must be sent to me immediately.

Under my right according to the Fair Debt Collection Practices Act, I would also like to request to you, in writing, that no contact by telephone be made by your offices to my place of employment or to my home. All future communications with me must be done in writing and sent to the address above in this letter.

I am advising you to make sure that your records are in order or I will be forced to take legal action against you.

Thank You,

Your Signature

Your Name