Debt Validation

What Is Debt Validation and Why Is It Important?
Debt validation is a legal right that allows consumers to request proof that a debt is legitimate and that the debt collector has the authority to collect it. Under the Fair Debt Collection Practices Act (FDCPA), if you're contacted by a debt collector, you have the right to ask them to validate the debt before you take any action or make a payment. This is an essential first step in protecting yourself from inaccurate, outdated, or fraudulent debt claims. Many people are surprised to find out that debts can be sold and resold multiple times, and mistakes often happen along the way.

How the Debt Validation Process Works
When you receive a collection notice or are contacted by a debt collector, you have 30 days to send a debt validation letter. This letter formally requests that the collector provide documentation showing the amount of the debt, the name of the original creditor, and proof that they are legally allowed to collect the debt. Once your request is received, the collector must cease all collection efforts until they provide adequate proof. If they fail to validate the debt properly, they are not allowed to continue pursuing you for payment.

Why Debt Validation Matters for Your Credit and Finances
Validating debt can help protect your credit score, prevent you from paying on debts you don’t legally owe, and stop harassment from illegitimate collectors. In some cases, collectors cannot produce the required documentation, which means the debt may not be enforceable. This is especially helpful if a debt is outdated, already paid, discharged in bankruptcy, or never yours to begin with. Taking this step ensures you're only paying debts that are legitimate and accurately reported — and it gives you leverage to negotiate or dispute unfair collection attempts.

How Foundation Can Help with Debt Validation
At Foundation, we assist our clients in understanding and exercising their rights through the debt validation process. Our team can prepare and send validation letters on your behalf, track responses from collectors, and help you take the next steps based on the outcome. If a debt is proven valid, we’ll work with you to create a personalized repayment or settlement plan. If it’s invalid or improperly documented, we’ll help you dispute it and prevent further collection activity. We empower you with the tools and knowledge to take control of your financial future — starting with verifying the debts that affect your life.