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We use cookies to give you the best browsing experience and to help us understand how you use our site.Cookies are small snippets of data stored on your computer and some have already been set.You might want to just pay the collection and get it over with, particularly if you know the debt is yours and you need to pay it off to have a loan application approved. Force the debt collector to prove the debt is real.However, outside of that, there are some very good reasons to exercise your right to request validation of the debt. Debt collectors have been known to send bills or make calls for bogus debts, so don't assume that a bill from a debt collector automatically means you owe. You may vaguely remember owing the creditor named on the collection notice or you may recall paying that debt at some point. Sometimes debt collectors resurrect old debts in an attempt to make some money.

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Would you really pay money to someone who says you owe them, but can't prove you owe? Make sure the collector is authorized to collect the debt.

Under the FDCPA, you have the right to “debt validation“.

This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate.

This letter is part of our information on debt validation.

We have other sample letters to handle a variety of credit situations. Date Your Name Your Address Credit Bureau Bureau Address RE: Account XXXXX-XXXX-XXXXX To Whom it May Concern, I am writing to dispute the account referenced above.




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However, on a whirlwind trip to Rome, she impulsively steals some coins from a reputed fountain of love, and is then aggressively pursued by a band of suitors.


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At the same time, men from many different countries find it more and more difficult to find a life partner, in their own country, who still believe in the traditional family values.


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