However, a debt validation letter is different. This is a document sent by a collection agency, showing that the debt exists and you are responsible. A call from a collection agency or debt ...

A debt validation letter is a notice debt collectors must send to help you determine that a debt actually belongs to you. Many, or all, of the products featured on this page are from our ...

The following strategies can be particularly effective if your goal is to get debt collectors to cease their communication attempts: ...

Part of the issue is that the recent surge in digital lending and automated debt collection systems has made mix-ups more ...

Another strategy that may work in your favor is to request debt validation letters from collectors to ensure they have the legal right to collect the debt and that the amount is accurate.

If you need to contact a collection agency to dispute a debt, request a debt validation letter or ask the collection agency that all communication be in writing, use these templates on Consumer.gov.