Best Way to Request a Discharge of Debt Validation Letter

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Learn How to Request a Discharge of Debt Validation Letter Without the Hassle

We all love a good credit score and for good reasons. If unfortunately, you default on credit payments, your original creditor may decide to sell your debt to an agency for collection, leaving you with a negative credit listing.

To rectify this, you can request a . However, how to request a discharge of debt validation letter may be something you are not familiar with which can easily become frustrating.

DoNotPay offers you a convenient online product that will request a discharge debt validation letter quickly to get you back to a good credit standing and offer you a chance to access credit services.

What Is a Debt Validation Letter?

A debt validation letter is a legal letter obtained to prove the legality and legitimacy of a debt. It proves that the debt is yours, it’s accurate, and that the collector has the right to collect it.

How to Write a Debt Verification Letter

Getting the right content is key to making sure that all the technicalities are well covered.

Here is a sample of a debt verification letter.

Sample Debt Validation Letter

(Send via certified mail, return receipt requested)


Your Name

Your Address

Your City, State, and ZIP code

Collection Agency Name

Collection Agency Address

Collection Agency City, State, and ZIP Code

RE: Account # (Fill in Account Number)

To Whom It May Concern:

Be advised, this is not a refusal to pay, but a claim that your notice is disputed and validation is requested.

Under the Fair Debt Collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation binding on me to pay this debt.

Be advised, I am not requesting a “verification”, I am requesting a “validation” pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA.

Please provide at least the following information within 30 days from the date of your receipt of this request of validation:

  • Name and address of alleged creditor
  • Name on file of alleged debtor
  • Alleged account number
  • Address on file of alleged debtor
  • Amount of alleged debt
  • Date that this alleged debt became payable
  • Date of original charge or off delinquency
  • Any judgments obtained by any creditor regarding this account
  • Verification that this debt was assigned or sold to collector
  • Amount paid if debt was purchased
  • Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
  • Agreement with your client that grants you the authority to collect this alleged debt

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your offices fail to respond to this validation request within 30 days from the date of receipt, all references to this account must be deleted and completely removed from my credit file and a copy detailing such action shall be sent to me immediately.


Your Name

How to Request for a Discharge of Debt Validation Letter by Yourself

The following are steps to follow to get a discharge of debt validation letter:

1. Write the letterYou need to write a letter requesting a discharge of debt validation. It’s important to add your contact and contacts of the debt collector.

State your request in detail and state your main areas of concern. These could include proof that you owe money, the amount, the collector’s license amongst other details.

2. Mail the letterSounds easy, right? It may be so, but you need to complete this step carefully. For purposes of evidence, you need to print the mail and send it through a traceable mail system.

This is because the collector can easily claim that you did not receive mail from you. Using certified mail is another option, but it takes a lot of time and may lead to frustration and financial drain.

3. ResponseThe debt collection agency should promptly respond to your request. Failure to do this means that they are in violation of the Fair Credit Reporting Act and you can initiate a lawsuit. This process requires a lot of follow-ups and can get frustrating, especially if your request is urgent.

How to Request For a Discharge of Debt Validation Letter With the Help of DoNotPay

A negative listing can lead to financial stress, frustration, and even depression in some cases. DoNotPay is here to guide you through the entire process. Writing a debt validation letter as a response to the collector is a service we will happily undertake for you.

DoNotPay ensures a swift follow-up and ensures that this entire process saves you time, money, and credibility. We will swiftly claim compensation for you in small claims court in the event your credit firm violates the law.

How to clean up your credit report using DoNotPay:

If you want to clean up your credit report but don’t know where to start, DoNotPay has you covered in 3 easy steps:

  1. Search Clean Credit Report on DoNotPay.
  2. Prepare a recent copy of your credit report that you can use as a reference.
  3. Let us guide you through the 4 potential options:
    1. If you’ve already paid off your debt, we’ll help you file a Goodwill Removal Request to get it removed.
    2. If you notice any errors in your report (we have a list of common errors you can use!), we’ll help you file a credit dispute to the creditor or major credit bureaus.
    3. If there are no errors, we’ll check if you’re still eligible to file a debt validation request. If they can’t validate your debt, they’re required to remove it from your report, and they can’t collect it!
    4. Lastly, if none of the above options work, we’ll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!

Why Use DoNotPay to Request a Discharge of Debt Validation Letter

  1. Fast – DoNotPay saves you a lot of time because we make a request on your behalf quickly and make swift follow-ups.
  2. Easy – the process of debt validation is long and tedious but DoNotPay offers a stress-free solution to your problem.
  3. Successful – there is guaranteed success with DoNotPay when requesting a discharge of debt validation letter.

What Else Can DoNotPay Do?

Helping you with a debt validation letter is just one of the many things we can help you with. Look at these other credit score related issues you can navigate using DoNotPay:

Apart from credit report related issues, here are examples of some other issues we can help you solve:

Requesting for a is an important process as it helps you get a better credit listing and takes away any worry. DoNotPay is a trusted online companion that can help make the request on your behalf and pursue it to its successful end. Sign up today and enjoy this product or any other service that will make things much easier for you at the touch of a button.

Want your issue solved now?