Debt validation letters are designed for consumers’ protection. Some bills may come out of the blue that you’ve never heard of. But just because you want to run away from every debt that comes your way doesn’t mean you should accept everything a debt collector says at face value. Before any money changes hands, collectors must prove that their debts are legitimate. Requesting verification of debt is a quick and legally recognized way to establish the legitimacy of it.
If you’ve been contacted by a collection agency, the collectors are required to send you a written notice within five days of the first contact. If you have not received a debt validation letter, you have the right to request one by writing a debt verification letter, or a debt dispute letter.