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Debt Validation Letter basics

If you are working on cleaning up your credit or preparing to file for bankruptcy, often the first step is to confirm your debts. A Debt Validation Letter is a formal written request to verify that you owe debt and how much you owe. Generally speaking, your creditors and debt collectors are legally obligated to respond to this request, or the debt may be challenged.

If you have questions about debt collection in light of COVID-19, ask a lawyer or find more resources in our Coronavirus (COVID-19) Legal Center.


Use the Debt Validation Letter document if:

  • You have been asked by a debt collector or a collection agency to repay a debt
  • You are a consumer or creditor that would like to verify that a debt is yours
  • Regardless of what a debt collector may say by phone, sending a Debt Validation Letter can help to ensure that you do not pay a debt that you do not owe, fall victim to a debt collection scam, or revive an old debt that could potentially be past the statute of limitations.

    Other names for this document: Verification of Debt Request


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    Sample Debt Validation Letter

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