dispute collection

Debt Validation: How to Force Collectors to Prove the Debt Before You Pay Anything

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Debt Validation

Nearly 50 percent of all debt collection complaints involve consumers being pursued for money they do not actually owe. Debt validation is your federal right to force a collection agency to prove they have the correct documentation before you pay them a single cent. Sending a proper validation letter forces the agency to pause all … Read more

Debt Collector Claiming You Owe Money You Don’t: The Situation That Accounts for Half of All Complaints

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Debt Collector Collecting Debt I Don't Owe

Nearly half of all consumer complaints about debt collectors involve attempts to collect money the consumer does not actually owe. Debt buyers purchase bulk data files for pennies on the dollar, meaning they rarely have original contracts or updated payment records before they start calling. Sending a formal, written dispute within 30 days legally forces … Read more