If debt validation is requested within the 30-day time period, a debt collector cannot serve you with a summons without having validated or verified the debt.

Debt collector has not proved you owe the debt, they only verified the amount of the debt and the original creditor.

Should debt validation include an accounting of how the amount being demanded was calculated and what is sufficient to prove debt validation.

Collection agencies do not always validate debts upon consumers request, find out what steps you can take to get proper debt validation.

After a lawsuit has been filed the time for debt validation is over, however, the discovery process can be better than debt validation.

Debt Validation should come from the original creditor such as a signed contract, but is that enough for debt validation?

The FDCPA says debt collectors must provide debt validation. The consumer does not have to help a debt collector prove a debt is owed.

Debt collectors provide as little information as possible when consumers request debt validation because the FDCPA does not list particular documents which should serve as debt validation.

Once a debt has been paid, requesting debt validation will not get the debt removed from your credit reports but a goodwill letter or 623 dispute letter may work.

Consumers must request debt validation every time a debt is resold from one junk debt buyer to another

Debt validation is a powerful tool consumers have to use against unfair debt collection. It forces a debt collector prove you owe the debt.

Debt Validation is powerful tool consumers have at their disposal to make debt collectors and junk debt buyers prove you owe them.

The FDCPA does not clearly set standards as to what is proper debt validation but the court’s have made rulings that can be used as guidelines.

Collection agencies do not always properly respond with sufficient proof of a debt to consumers’ requests for debt validation.

A recent whistleblower complaint brought by a former Chase Bank employee may shed some light on why consumers should request debt validation.

A simple debt validtion letter example that can be used to request debt validation from a collection agency.