What is Debt Validation?
The right to request validation of the debt is provided by the federal Fair Debt Collection Practices Act (FDCPA). The law was enacted to allow consumers to obtain more information about the debt that is being collected and to act as an informal dispute resolution system between consumers and their collectors.
There are many instances when you may want to request validation of the debt.
A debt collector only has to provide basic information about your debt in verifying it. It is not required to specifically address any particular reason you may have for wanting verification of the debt.