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Debt Validation Letter

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In accordance with the Fair Debt Collection Practices Act (FDCPA), you can challenge the validity of a debt. Following is a sample debt validation letter that you can use to request the creditor/collection agency verify that the debt is actually yours and you are legally bound to pay that debt. However, make sure you send the debt validation letter in registered mail.




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Re: Acct No

To Whom It May Concern:

I am writing this letter in response to the phone call/letter received from you on (Date). In conformance to my rights under the Fair Debt Collection Practices Act (FDCPA), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. (15 USC 1692g Sec. 809 (b))

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following:

  1. Agreement with the creditor that authorizes you to collect on this alleged debt
  2. The agreement bearing my signature stating that I have agreed to assume the debt
  3. Valid copies of the debt agreement stating the amount of the debt and interest charges
  4. Proof that the Statute of Limitations has not expired
  5. Complete payment history on this account along with an accounting of all additional charges being assessed
  6. Show me that you are licensed to collect in my state; and
  7. Your license numbers and Registered Agent

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Thanking you,

Your Signature_______________________

Your Name__________________________


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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.
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