If a debt collector contacts you, you have the right to make them prove the debt is yours before paying anything. A debt validation letter is your first move. Here’s how it works.
Your right to validation
Under the federal FDCPA, within 30 days of a collector’s first contact you can demand they validate the debt — the amount, the original creditor, and proof they have the right to collect. California’s Rosenthal Act extends similar protections to original creditors too.
Why it matters
Collectors (especially debt buyers) often can’t produce complete records. A validation demand can pause collection and sometimes ends it entirely. It also creates a paper trail if they violate the law.
How to send it
Send a written validation/dispute letter by certified mail and keep proof. Until they validate, they must pause collection.
How Curbside Legal helps
We prepare debt validation and dispute letters citing the FDCPA and Rosenthal Act. Get the DIY demand letter packet or start your intake.
Curbside Legal is a legal document preparation service, not a law firm, and does not provide legal advice.