Debt collectors send debt validation letters to verify that a borrower is responsible for a debt. Debt collectors must send a debt validation letter within five days of first contacting you.

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 ...

If you've received a call or a letter from a debt collector claiming ... written dispute within 30 days of receiving the initial debt validation notice, the debt collector must cease collection ...