Debt Validation Program Information Center
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You have the right to debt validation.
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. Also, a debt collector must also prove they have a legal right to collect the debt.
What is debt validation?
Once your validation letter is received, the debt collector must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. Requesting validation comes with a variety of benefits and can hopefully lead to getting the collection completely dismissed. Often, a debt collector may not have the appropriate records it needs to collect the debt from you legally. If you fail to validate, you run the risk of paying a debt that you don’t actually owe, or even paying someone who shouldn’t be taking your money. It’s a safe way for any consumer to protect themselves from countless scammers and unscrupulous collection agencies.
Statutes of Limitation.
Debt collectors are well known for the way they do business. They’re much more concerned with getting paid than with how they go about collecting the debt. As long as they can get a consumer to pay the debt that is owed they care little about consumer’s rights or even whether they are hounding the right person. It is up to consumers themselves to be informed on state law that deals with debt collection.
Your Legal Rights
For these reasons, the FDCPA entitles you as a consumer to validate a debt when a debt collector demands money from you.
If they can’t validate the debt, the credit bureau cannot list it as a negative mark on your credit report. With debt validation, you’re requesting that the debt collector proves they have the legal right to collect the money.
It also confirms that you agreed to pay the debt, and the amount owed is accurate. Any debt collector that refuses to follow these steps can be reported to both state and federal officials for violating the law.
How can I stop a payday lender from electronically taking money out of my bank or credit union account?
You can stop electronic debits to your account by revoking the payment authorization, sometimes called an “ACH authorization”.
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Debt Education Center
Credit Card Minimum Payment: How It Can Ruin You
A feeling of hopelessness and no control. Statements that look the same month after month.
Credit Card Minimum Payment: How It Can Ruin You
A feeling of hopelessness and no control. Statements that look the same month after month.
Credit Card Minimum Payment: How It Can Ruin You
A feeling of hopelessness and no control. Statements that look the same month after month.
TCPA Disclosure
To ensure that consumer’s inquiries are handled promptly, courteously, and accurately, some of the phone calls between you and us or any of our affiliates, agents, assigns and service providers, may be monitored and recorded by us and any of our affiliates, agents, assigns and service providers, to enhance service to you. You consent to this monitoring and recording. You agree that Legal Warranty Group may from time to time make calls and/or send text messages to you at any telephone number associated with your account, including wireless telephone numbers that could result in charges to you. The manner in which these calls or text messages are made to you may include, but is not limited to, the use of pre recorded/artificial voice messages and/or automatic telephone dialing system. You further agree that Legal Warranty Group may send emails to you at any email address you provide us or use other electronic means of communication to the extent permitted by law. Consent may be revoked at any time and by any reasonable means.
Legal Disclaimer
The content on this page provides general consumer information. It is not legal advice or regulatory guidance. Legal Warranty Group updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.
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