Debt collectors send debt validation letters to verify that a borrower is responsible for a debt. Debt collectors must send a debt validation letter within five days of first contacting you.

Key Points An unpaid debt could damage your credit score. It’s common for debts to be turned over to collection agencies ...

If you've received a call or a letter from a debt collector ... within 30 days of receiving the initial debt validation notice, the debt collector must cease collection activities until they ...

Debt collection harassment is an invasive and stressful experience—especially when it comes from aggressive agencies like ...

Within five days of first communicating with you, the debt collector is required to send a written debt validation notice ... we sent them a certified letter, asking for proof of the debt.

A 609 dispute letter is a formal request to credit bureaus to verify the accuracy of information on your credit report. A ...

You have 30 days to respond to the letter for more information or to dispute the debt in writing. "In addition to disclosing more details about the collection agency, the validation should include ...