Debt Validation Letter

Debt Validation Letter Samples - The real deal

I would like to provide you with a debt validation letter sample. These excerpts are taken out of one of the actual template letters that are provided in the eBook Beating Debt Through Validation. The principles and tools provided in this eBook are extremely valuable for anyone who is looking to gain more knowledge and protection through the use of debt validation letters.

When reading parts of this sample debt validation letter, notice the wording and the topics that are addressed. Many of the concerns that are sited are things that do not cross the average debtor’s mind. Because of this, the educational content in my free mini course can be extremely helpful. After participating in the 10-day, free of charge mini course, you may find yourself wanting to learn more. We have all the answers you need in the eBook available through this website.

Now read the introductory paragraph of this debt validation letter sample.

I am responding to the collection notice I received from your company, a copy of which is attached. I object to it for several reasons. First, the statement you sent to me implies that I owe payments in such a way as to suggest that I am repaying a loan. I have never taken a loan from your company and any payments I may have previously made were for the sole purpose of continuing to use the account. The payments I may have previously made were intended for the same purpose as payments that are made to use a checking account.

Notice that nowhere in the first paragraph do I appear to be agreeing that I owe money as a debtor. This is extremely important. You never want to agree that you owe your creditor money. The fact that you owe them money is under dispute and you want to keep it that way. Now read the second paragraph.

My second objection is that I never agreed to borrow money from you. Due to this fact I absolutely did not promise to pay anything. Your company has no right to expect me to pay this bill as if it were repayment for a loan. Likewise, there can be no “default” on this account.

Once again the wording strongly pushes the fact that you did not agree to receive a loan and thus did not agree to make any payments. This is an important fact to establish early on with your creditor. Your creditor simply wants you to keep paying them so they will do anything to make you feel like there is no other option except to pay them. In the next paragraph, the wording I put together is prepared in such a way as to require the creditor to validate what money they loaned you.

My third objection is that it is very strange that you are going to such great lengths to make it appear that you lent me something, or extended me credit as you have put it. However, even with all that effort, you never lent me anything. If you disagree, I demand that you provide me a copy of the actual “account general ledger” which will show that when my account was opened, that you deposited money that you already had in your possession into it for my use as a loan. If you do not provide me with this record within the next thirty (30) days, it will be considered as your implicit waiver of any and all collection claims against me for this account.

I want to make it clear that this is not a refusal to pay, but a notice that your claim is disputed. This is a request for validation made in accordance with the Fair Debt Collection Practices Act. I dispute your debt collection-related allegations, deny the same, and demand strict proof and validation thereof. This dispute, denial, and demand are made in accordance with federal law. 

Hopefully these portions of a debt validation letter sample help you get a feel for the wording and composition of a quality debt validation letter. If you would like to learn more about debt validation letters or any of the validation of debt process, you should definitely consider my free 10-day email mini course.