Last updated on January 12, 2023 / By 

Debt verification and debt validation are two related but distinct processes that are used to determine the validity of a debt.

Debt verification involves confirming that the creditor has the documentation and information necessary to prove that the debt is valid and that the creditor has the right to collect payment. This might include providing copies of documents such as contracts, billing statements, and payment records.

Debt validation, on the other hand, involves the debtor challenging the validity of the debt and requesting that the creditor provide evidence that the debt is legitimate. This process is often used by consumers who believe that they may not owe the debt or who have been the victim of identity theft or other fraudulent activity.

Both debt verification and debt validation are important steps in the process of resolving a debt dispute. If the creditor is unable to provide the necessary documentation to verify or validate the debt, the debtor may not be required to pay the debt. However, if the creditor is able to provide the necessary documentation, the debtor may be required to pay the debt or work out a payment plan.

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