Debt Validation Letters: How to Use Them to Crush Debt Collection

Debt validation letters are a tool that consumers can use to challenge the validity of a debt that a collection agency is trying to collect. The letter requests that the collection agency provide proof that the debt is legitimate, such as a copy of the original contract or a statement of the account. If the collection agency cannot provide this proof, they are legally obligated to stop collection efforts.

To use a debt validation letter, the consumer should do the following:

  • Request that the collection agency validate the debt in writing.
  • Include the consumer’s mailing address and a request for the original creditor’s name and address.
  • Send the letter via certified mail, return receipt requested, to the collection agency.
  • Once the collection agency receives the letter, they have 30 days to respond with the requested information.
  • If the collection agency cannot provide the requested information, they must stop all collection efforts and remove the debt from the consumer’s credit report.


It’s important to note that sending a debt validation letter does not eliminate the debt, but rather it requires the collection agency to prove that the debt is valid. Consumers should be aware that a collection agency may continue to try and collect the debt, even if they are unable to validate it.

It’s also important to note that a debt validation letter may restart the statute of limitations on a debt, so consumers should be mindful of the statute of limitation on their debt before sending a validation letter.

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