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Debt collectors must provide proof that a debt they’re attempting to collect is, in fact, yours. You can send a letter to request documentation of a debt, or even dispute that a debt belongs to you.
If you don’t think the debt is yours, send a written dispute letter within 30 days. At this point, the collector is legally required to discontinue communication and collection efforts, until it ...
The original lender or a collection agency typically has the supporting information behind each debt. Submitting a dispute letter will not get rid of the debt, eliminate monthly payments or stop ...
Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15 ...
Debt settlement (also called debt reduction, debt negotiation or debt resolution) is a settlement negotiated with a debtor's unsecured creditor. Commonly, creditors agree to forgive a large part of the debt: perhaps around half, though results can vary widely.
The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.