Second Debt Validation Letter

If a debt collector sends you a debt notice, you have the right to seek validation for the debt. This is usually done through a debt validation letter. It is your legal right as a consumer under the Fair Debt Collection Practices Act. Suppose the collector fails to respond to your initial request. In this case, you can send a Second Debt Validation Letter.

A subsequent validation should be sent after the 30-day timeline has elapsed. Unlike the first letter, it is not meant to request information. You will use it to inform the collector that they should cease all collection efforts as they have failed to verify the debt.

Here is all you need to know to draft this second validation letter.

A Second Debt Validation Letter doesn’t seek verification for a debt. It informs the debt collector that they have failed to verify the debt, and as such, you are under no legal obligation to pay it. Typically, it should include the following information:

  • A statement asserting that you received the debt notice
  • A statement stating that you responded to the notice with a debt validation letter
  • A statement showing that the debt collector failed to respond to the validation request
  • An assertion that you do not consider the debt as valid
  • A request that the debt collector have it removed from your record
  • A statement indicating your rights under the FDCPA
  • A statement affirming that you will seek legal action if your rights are infringed upon

Second Debt Validation Letter Format

{Date}

{Debt Collector Name}

{Debt Collector Address}

{City, State, Zip Code}

Re: Debt Validation for Account {Account Number}

Dear Sir/Madam,

I received a {phone call/letter} from your agency concerning a debt notice. In response, I sent a debt validation request to your office on {date}. I requested in writing that you send me the following information concerning the debt, as is my right under the Fair Debt Collection Practices Act:

• The name and address of the original creditor

• Proof of debt

• Amount owed and account number.

• Copy of your license to collect in my state

I also requested that you have this debt removed from {credit bureau name} until it was verified. Unfortunately, I have not received a response to my first letter.

As you have failed to respond to my validation request in 30 days, I am requesting that you cease contacting me until the debt is verified. Kindly have the item removed from my report till then.

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA.

Sincerely,

{Your Name}

{Your Signature}

Sample Second Debt Validation Letter

6 October 2020

Pipeline Credit Agency

234 Boulevard Road

Wilmington, NC 23458

Re: Debt Validation for Account 56T67

Dear Sir/Madam

I received a debt notice from your agency on 1 September 2020. In response, I sent a debt validation request to your office on 4 September 2020. Pursuant to the Fair Debt Collection Practices Act (FDCPA), I made a formal request for the following information to verify the debt:

• The name and address of the original creditor

• Proof of debt

• Amount owed and account number.

• A copy of your license to collect in my state

In my previous letter, I also requested that you have the debt removed from the three credit bureaus to which you supplied the information. This action, as I mentioned, is a direct violation of my rights.

Consider this letter a reminder that you have failed to validate the said debt. As such, I request that you cease all contact with me or collection efforts until you have verified the debt.

Please note that I do not prefer a lawsuit. However, I will pursue legal action against you as provided in the FDCPA if my rights are infringed upon.

Thank you for your time and compliance.

Sincerely,

Gregory Smith

Second Debt Validation Letter (Word Template)

Details
File Format
  • MS Word

Wrapping Up

The Fair Debt Collection Practices Act allows you to seek validation for a debt. While the debt collector doesn’t have to respond, failing to do so could make all their future collection efforts illegal. Failure to validate a debt also makes them obligated to have it removed from your credit record.

After drafting your first validation letter, you have done your part. The Second Debt Validation Letter should serve to inform the collector that they should cease any collection efforts and have the debt removed from your record.

It should also state that you will seek legal action against the collector if your rights continue to be violated.