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.

A legitimate debt collector usually provides debt validation through a letter before they reach out via other communication channels. The information a debt collector must validate includes ...

In such cases, sending a validation letter does not violate the FDCPA. The court agreed with the defendant, finding that the plaintiff’s letter both disputed the debt and constituted a refusal ...

To best protect yourself, research the debt and request a debt validation letter. Check your state’s laws to research your ...