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Under the FDCPA, debt collectors (collection agencies or CAs) are required to send you a debt validation notice within 5 days of contacting you to collect a debt.The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter.Let's say you borrowed money from your friend, Paul. As times goes by, you think you might still owe Paul money but you are not sure how much.Then out of the blue a guy named Bob comes up to you and says he is collecting the money you owe Paul.Debt validation is the process of confirming the true and accurate amount that you owe a creditor.Usually, debt validation letters are used with collection agencies, because once the original creditor sells the debt to an agency the amount can get fudged or inflated.Get the correct mailing address for your debt validation request.Many credit card companies have numerous addresses.

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You might also want to validate an unfamiliar debt that appears on your credit report.There is no guarantee that your request will be received by the proper department if you send it to the wrong address.Usually, the address creditors use on your credit report is an appropriate address for a debt validation request.The FDCPA gives you the right to seek validation from a collection agency and not the original creditor.The FDCPA does not govern collection practices of the original creditor.