Validating debt

Without the presence of a legitimate debt validation letter, a consumer has a chance to win his case.Moreover, the consumer will no longer receive harassing phone calls from the collections agency.

Why People Get Confused with Debt Verification and Debt Validation One reason why people interchange the two terms is because they are being used interchangeably.

In a nutshell, the two terms refer to a process wherein a consumer makes a request to a debt collection company to prove to him that he actually owes money.

Many states have consumer protection laws that overlap with both acts, and have stricter rules protecting consumers.

is legalese for “sell the rights to the contract.” Collection agents buy most debts for 5 to 50 cents on the dollar.

Because it is not clearly stated on the FDCPA, there are several collections agencies that only provide a debt verification letter.

The main difference between the two, however, is the fact that a debt validation letter can demand relevant facts and details that have commonly exposed fraudulent plans with most collectors.

However, it does not include a clear definition as to what constitutes a legitimate debt validation.

In lieu of this ruling, a consumer has the ability to send a letter to his creditor or collectors, requesting the confirmation of information reflecting his penalized account.

Consumers with old delinquent debt often ask how their state statutes of limitation may impact their rights.


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