Debt Validation Rights

If you receive a communication about a debt, you may have the right to request verification before certain collection activity continues.

What is debt validation?

Debt validation means written confirmation of the debt, including information such as:

The amount of the debt
The name of the creditor to whom the debt is owed
That the debt collector is authorized to collect the debt
Other documentation required under applicable law

Timing

In many cases, you must submit a written validation request within 30 days of the initial written notice about the debt. Requests submitted after that period may still be considered, but all collection activity may not be paused.

Submit a validation request

The fastest way to request validation is through our dispute form:

File dispute / validation request

You may also contact us in writing with your account number and a clear statement that you are disputing the debt or requesting validation.