How to Request a Proof of Debt Letter

Requesting a proof of debt letter from a collection agency helps validate the fact that you owe money. Collection agencies may purchase an old debt from lenders and creditors and attempt to collect these past due funds. But oftentimes, collection agencies can't provide proof that a consumer owes the money. Requesting a validation letter requires action from agencies, and if they can't supply this letter, they must stop contacting you.

Instructions

1

State your reason for challenging the alleged amount. Refer to the account number listed on your debt collection letter. List this account number and your name and include the date in your letter. Spell out in detail why you don't owe the money -- for example, already paid the balance, past the statue of limitations or don't recall the account.

2

Inform the collection agency you need a proof of debt letter before you will acknowledge or send money to satisfy the balance.

3

Give a written warning. According to the Federal Trade Commission, collectors can't pursue legal action or send collection letters if they don't provide validation for a debt upon request. End your letter with a sentence forewarning the agency that you will file a complaint with the FTC if it continues to write or call for a payment without first sending a proof of debt letter.

4

Mail your request to the collection agency, and keep a photocopy of the letter for your records. The Federal Trade Commission recommends sending a certified letter to the collector to ensure delivery.