Validation of debt letters are very important to use when creditors or third party debt collectors are attempting to collect on your defaulted accounts. Creditors and third party debt collectors will not validate your account unless you send out high quality validation of debt letters. Without sending one of these letters you could end up making payments on an account that you are not legally bound to.
During the years I have spent helping thousands of consumers eliminate their credit card debt, I noticed that many consumers try to get information out of their creditor or debt collector over the phone. This never works! Any information you request will never be sent to you because a phone call provides no evidence in court that you requested validating information. Do not make the mistake of trying to validate by phone.
Validation of debt letters needs to be adjusted to each specific situation in order to get the best results. For example, sending a validation of debt letter to an original creditor will be quite different from sending a validation of debt letter to a third party debt collector.
Now that you understand why you need to send validation of debt letters, let me share with you some often missed techniques when deciding what to ask to be validated. You first need to ask for everything that you are legally entitled to know but do not stop there! Feel free to ask for additional information because the worst answer you will get is no answer at all.
If you think that you current credit card debt situation could benefit from sending a few validation of debt letters, which it most definitely could, you then need to get some help drafting the letters. You can do it on your own but unless you have had some experience writing these letters successfully you will most likely be disappointed with the results. Instead go online and purchase some template letters or enlist the help of a professional.
Here is one final word of advice when it comes to writing and sending validation of debt letters. Be sure you take into account what stage of the credit card debt collection process you are in when sending your letter because the formatting and composure of the letters can be quite different depending on where you are in the collections process.
During the years I have spent helping thousands of consumers eliminate their credit card debt, I noticed that many consumers try to get information out of their creditor or debt collector over the phone. This never works! Any information you request will never be sent to you because a phone call provides no evidence in court that you requested validating information. Do not make the mistake of trying to validate by phone.
Validation of debt letters needs to be adjusted to each specific situation in order to get the best results. For example, sending a validation of debt letter to an original creditor will be quite different from sending a validation of debt letter to a third party debt collector.
Now that you understand why you need to send validation of debt letters, let me share with you some often missed techniques when deciding what to ask to be validated. You first need to ask for everything that you are legally entitled to know but do not stop there! Feel free to ask for additional information because the worst answer you will get is no answer at all.
If you think that you current credit card debt situation could benefit from sending a few validation of debt letters, which it most definitely could, you then need to get some help drafting the letters. You can do it on your own but unless you have had some experience writing these letters successfully you will most likely be disappointed with the results. Instead go online and purchase some template letters or enlist the help of a professional.
Here is one final word of advice when it comes to writing and sending validation of debt letters. Be sure you take into account what stage of the credit card debt collection process you are in when sending your letter because the formatting and composure of the letters can be quite different depending on where you are in the collections process.
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Want to get more information about validation of debt letter, then visit Kenta Wallman's site on how to pick the best debt validation letter for your needs.
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