I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by {name of the collection agency or original creditor} for me, {your name}, ...

Could your debt be reduced or forgiven? Take our financial relief quiz. Before a debt collector can pursue you for a debt, they are generally required to first send you a debt validation letter. This ...

When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request that the collection agency validate your debt. This is ...