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.

Having an erroneous collection account on your credit report isn't a life sentence, though. There are laws in place to ...

If you've been called by a debt collector and aren't sure what to do, the U.S. Consumer Financial Protection Bureau has provided five sample letters to help defend yourself against deceptive or ...

When a debt collector comes calling, you have options for disputing the debt. Here’s what you can do to legally deal with debt collection companies.

Neither a 609 nor a traditional dispute letter will remove negative items like late payments, bankruptcy or loan defaults from your credit report. Nor will it eliminate existing debt that you cannot ...

Debt validation letters are formal written requests sent to a debt collector to verify the debt they claim you owe. Here’s how to get one and use it.

A debt validation letter is the document sent by a collection agency, showing that the debt exists and you are responsible. As a consumer, you might send a debt verification letter when a ...

A debt validation letter is one way to check for mistakes and demand the collection agency remove them from your credit history.