Reasons To Consolidate

Stop Collection Calls
Lower Monthly Bills
Free Credit Counselors
Repair Your Credit
Get Out of Debt For Good
Foreclosure Facts
Loan Modification
Debt Elimination
Debt Settlement
Debt Negotiation
Personal Debt Freedom
Debt Management Plans
Debt Consolidation Guide
5 Steps To Debt Relief
Types of Debt Relief
Tips To Reduce Debt
Understanding Tax Debt
Payday Loan Relief
Debt Negotiation Letter
Debt Verification Letter
Credit Card Help
Credit Card Rules Changes
Store Credit Cards
Fix Credit Card Debt
Debt Consolidation Loans
How Debt Consolidation Affects Credit
Free Bill Consolidation?
Reduce Your Debt
The Debt Snowball
Financial Planners
Medical Debt Guide
Seniors in Debt
How to Keep Your Job
What if You Don't Pay Bills
Wage Garnishment
Mortgage Hardship Letter
Get Out of Debt
Bad Credit Personal Loan
Life After Bankruptcy

What is a debt verification letter?

Do you know the exact amount you owe and to whom? Most people don’t. Even if you know how much you have borrowed, you may not have the whole story. The lender may have sold your debt to another company, or passed it on to a collection agency. Or you may have a debt on your credit report that you do not recognize at all.

You can get all of the information about your debts by writing a debt verification letter to the lender. After that, the lender has 30 days to reply. If they do not comply with your request, they cannot collect on their debt.

Video: Fair Debt Collection Practices Act (FDCPA)

A sample debt verification letter

Here’s an example of a debt verification letter that you can use:


cover letterYour Name
City, State, Zip code

Creditor / Collection Agency Name
City, State, Zip


Reference: Account number

Dear Sir or Madam,

This letter is in response to your company’s entry on my credit report. This is not a refusal to pay, but rather a request for a validation of this debt, in accordance to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b). I am hereby disputing your claim.

Please note that this is NOT a request for a verification of my mailing address, but a request for a validation of the debt, reference number [#].

Please provide me with the following information:

  • The amount that you say I owe
  • For what do I owe this money (services, goods)
  • The exact calculation that was used by you to determine this amount
  • Copies of any documents showing that I agreed to pay this amount
  • A verification or a judgement of debts owed (if applicable)
  • The name and address of the original creditor
  • Proof that the Statute of Limitation has not expired on this debt
  • Your Debt Collection License number (if applicable)
  • Proof that you are licensed to collect debt in this state (if applicable)
  • Proof that you currently own the debt in question
  • A list of any interest and fees that have been added to the debt
  • A complete history of payments made on the debt
  • A copy of the original lending agreement, signed by me

If you fail to respond to this request within 30 days of receipt, all references to this debt must be deleted from my credit reports, and you may not collect on this debt. If it is found that you have reported false information to any of the credit bureaus, it would constitute fraud under Federal and State Laws.

Once you have provided me with all of the information listed above, it will take me up to 30 days to verify it. During this time, I demand that you cease any attempts to collect the debt.



Type Your Name

Video: How to Deal with a Collection Agency

How to use this letter

The standard debt verification letter can be modified depending on whether you are addressing your lender, or a collection agency. Fill in all of the necessary information, including your name, address and reference number. Then remove the items that do not apply from the list of requested information.

Other things you may want to include in your letter:

  • Request that the creditor not contact you, either in person or by phone, until they have verified your debt. Failure to do so would constitute harassment.
  • Explain that you will not hesitate to take the creditor to court for reporting inaccurate credit information to the credit bureaus.
  • If you have the same name as another person living at the same address, explain exactly who you are.
  • Inform the creditor that it is illegal for them to begin debt collection until they have notified you of the debt.
  • Request that all communication be done in writing. It’s crucial that you keep a meticulous record of everything you send and receive.

Contact Us | Privacy Policy | Terms of Use | Site Map