When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request that the collection agency validate your debt. This is ...

Could your debt be reduced or forgiven? Take our financial relief quiz. Before a debt collector can pursue you for a debt, they are generally required to first send you a debt validation letter. This ...

I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by {name of the collection agency or original creditor} for me, {your name}, ...