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 ...

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.

The FDCPA establishes clear timelines that must be followed when you dispute a debt with a debt collector. According to ...