The Fair Debt Collection Practices Act (FDCPA) allows consumers to seek validation for a third-party debt before paying it. This is usually done by sending a debt validation letter to the collector. Typically, the letter should be sent within 30 days of receiving a debt notice. Within this period, the collector is required to cease collection efforts until the debt is verified.
Can you send a debt validation letter past the 30-day validation timeline? Yes. However, the collector will be under no obligation to stop collection activity on your account. This does not mean, nonetheless, that your rights become void.
Here is what you should know about writing a Debt Validation Letter after 30 Days.
What to Include in Your Debt Validation Letter
A validation letter sent after the 30-day timeline is no different from a standard validation letter. Typically, the letter should request information that verifies the validity of the debt. This includes:
- Proof of the debt.
- The amount owed and account number
- Proof that you are the debtor
- Proof that the debt collection currently holds the debt
- Name, address, and contact information of the original creditor
- Copy of a legal contract obligating you to pay the debt
- A statement showing the debt is within the statute of limitation
- The debtor’s license information
Debt Validation Letter After 30 Days Format
{Date}
{Debt Collector Name}
{Debt Collector Address}
{City, State, Zip Code}
Re: Debt Validation for Account {Account Number}
Dear Sir/Madam,
I received a {phone call/letter} from you on {date}. In your correspondence, you mentioned that I owe the {original creditor name} {amount} in {nature of debt}. Under the Fair Debt Collection Practices Act (FDCPA), I have the right to seek the verification of this debt.
Pursuant to this right, I am writing to request the following information:
• The name and address of the original creditor
• The account number
• The amount owed
• Verification that you are licensed to collect this debt in my state
I would also like documentation on the debt’s age and a copy of the last billing from the original creditor. Kindly provide evidence that the debt is within the statute of limitations.
Also, pursuant to my rights under the FDCPA, I plan to ignore any future collection attempts unless I receive a debt verification notice from your agency.
I will be forced to take legal action against you if you continue supplying invalidated information to the {credit bureau name}.
You can reach me at {email address}. I look forward to a speedy resolution to this matter.
Thank you for your time and compliance.
Sincerely,
{Your Name}
{Your Signature}
Sample Debt Validation Letter After 30 Days
6 October 2020
Diamond Credit Agency
234 Garden Avenue
Wilmington, NC 34459
Re: Debt Validation for Account 12345Y
Dear Sir/Madam
I am writing in response to the debt notice I received from your agency on 2 October 2020. According to your statement, I allegedly owe JKL International $3560 in service fees. I am formally requesting this debt’s validation, as is my right under the Fair Debt Collection Practices Act (FDCPA).
Kindly provide me with the following information in writing:
• The name, address, and contact information of the original creditor
• The account number
• The amount owed
• Verification that you are licensed to collect this debt in my state
I would also like a copy of the contract I signed, which obligates me to pay this debt. Kindly accompany this with proof that the debt is within the statute of limitations.
As is my legal right, I urge you to avoid supplying information on this debt to any credit bureaus until it is validated. I do not wish to pursue a lawsuit. However, I will turn to litigation if my rights are violated.
Thank you for your compliance.
Sincerely,
Vanessa Hall
Debt Validation Letter After 30 Days (Word Template)
Your credit report will usually come with a notice giving you 30 days to dispute a debt lest it be considered valid. However, this doesn’t mean the credit bureau will not validate a debt simply because you did not make a timely validation request. It only means that the collector will assume the debt is valid if they do not receive a response from you in 30 days.
As per the Fair Debt Collection Practices Act (FDCPA), you can legally dispute a debt at any given time. Disregard the notice and draft your Debt Validation Letter after 30 Days as you would any validation request. However, don’t expect that the collector will cease collection efforts against you.
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