Debt Validation – Unrecognize Collection

Not every debt collector who contacts you is attempting to collect a legitimate debt. Under the Fair Debt Collection Practices Act (FDCPA), collection agencies are required to provide proof that the debt is legitimate, legally yours, and that the collector has the right to collect on behalf of the original creditor.

Debt validation letters are valuable assets during the debt collection process. Mistakes are common and can often lead to you paying off a debt you don’t owe or that is past the legal statute of limitations.