Debt Validation/Collection Removal Letter

"Happy Is the Man That Findeth Wisdom, and the man that getteth understanding"

- Proverbs 3.13

WHY THIS DOCUMENT WILL WORK TO REMOVE YOUR COLLECTIONS:

• Grounding in Federal Law:
  • The document is based on the Fair Debt Collection Practices Act (FDCPA), specifically 15 USC § 1692G, a well-established federal law protecting consumers. This law grants individuals the right to request debt validation, making the process legally sanctioned, not fraudulent.
• Consumer Rights Advocacy:
  • The document empowers individuals by helping them exercise their legal rights, ensuring debt collectors provide evidence of the legitimacy of their claims. This transparency is a cornerstone of consumer protection laws.
• Request for Evidence:
  • It emphasizes a formal request for documentation validating the debt, including original agreements and proof of the debt collector's authority. Such requests align with federal law and protect consumers from fraudulent or mistaken claims.
• Structured and Professional Tone:
  • The letter is respectful, professional, and explicitly states that it is not a refusal to pay. Its tone and content are consistent with legitimate legal communications rather than deceptive practices.
• Clear Documentation Requirements:
  • The document specifies what information is needed for validation, ensuring accountability and discouraging unscrupulous practices by debt collectors.
• Deterrence Against Legal Violations:
  • It highlights potential consequences if the debt collector engages in unlawful reporting or fails to comply with the request, which demonstrates awareness and application of legal protections, not fraudulent intent.
• Transparency in Actions:
  • By requesting verifiable proof and allowing time for investigation, the letter provides a clear process. Scams typically avoid such transparency and accountability.

WHAT TO DO AFTER YOU DOWNLOAD THIS DOCUMENT:

1. Save a copy of the file to your computer and upload into a word document
2. Fill out all the highlighted information with your info.
3. After your info is filled in -- be sure to unhighlight EVERYTHING IN YELLOW
4. Make you you've filled out all info correctly.
5. Print two copies of this document. Save the original for yourself. Send the copy to the agency who reported the collections.
6. Mail this letter at USPS as CERTIFIED MAIL: this will ensure accountability from the agency (they WILL NOT be able to deny receiving your validation request) and you will be able to see the date that the letter was received by the organization.
7. KEEP YOUR DOCUMENTS ORGANIZED: copy of validation request, USPS receipts, and letters sent back from the agency. This will provide all proof of correspondance if/when said agency subpoenas you to court.
8. File a complaint with the CFBP. People file complaints with the Consumer Financial Protection Bureau (CFPB) when they encounter problems with financial products, services, or practices that may violate their consumer rights. The Consumer Financial Protection Bureau (CFPB) is a U.S. federal agency responsible for protecting consumers in the financial sector. File the complaint here online here:---> File the complaint here or you can file a complaint by calling this number here: (855) 411-CFPB (2372)
9. Finally, if you need help with this document at ANYTIME, please do not hesitate to reach out to me at 857.276.2182. I am always happy to help.