By sending your debt validation letter within 30 days, you’re asking for this additional documentation, and the agency must stop collection activity while it works to validate your debt.

When you send a collector one of these letters, the company is supposed to send back a debt validation letter supporting its claim. If it can’t or won’t, the claim is likely to be dropped.

Debt collectors have a legal obligation to send a debt validation letter if requested. If they don’t, you can request that they stop contacting you altogether.

A call from a collection agency or debt collector isn’t enough proof. You can send a debt verification letter to a collection agency or debt collector requesting they provide proper documentation to ...

Debt collectors have a legal obligation to send a debt validation letter and it’s important for consumers to be aware of that. If you receive information over the phone, ask for it to be sent in ...

Our rating: False A debt is not "invalidated" if a collector does not respond to a verification letter within 30 days. There is no time limit for collectors to respond to such a letter, experts say.

Debt collectors are legally obligated to send you a debt validation letter. If you don’t receive a debt validation letter, or it lacks detail, you can make a debt verification request.

What Is a Debt Validation Letter? Here’s What You Should Do If You Receive One Adam Palasciano March 31, 2024 at 11:00 AM EmirMemedovski / iStock/Getty Images ...