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Sample Verification Letter

It is often not clear what debt a collector is contacting the consumer about. In that case, consumers should never pay the collector, at least not until they obtain more information. Federal law requires debt collectors to provide “validation information” about the alleged debt. It is best to send a request for verification within 30 days of receipt of the validation information.

Hedayati v. The Judge Law Firm, 2018 WL 6307872 (C.D. Cal. Jan. 16, 2018).

Agnir v. Gryphon Solutions, L.L.C., 2013 WL 4082974 (N.D. Cal. Aug. 9, 2013).

Franklin v. Parking Revenue Recovery Servs., Inc., 2014 WL 6685472 (N.D. Ill. Nov. 25, 2014).

Thone Phan v. Gartner Law Offices, Inc., 2012 WL 3993031 (N.D. Ill. Sept. 10, 2012).

Llames v. JP Morgan Chase & Co., 2012 WL 1032910 (N.D. Ill. Mar. 23, 2012).

Smith v. Continental Cmty. Bank & Trust Co., 2002 U.S. Dist. LEXIS 11193 (N.D. Ill. June 21, 2002).

Clark v. Retrieval Masters Creditors Bureau, Inc., 185 F.R.D. 247 (N.D. Ill. 1999).

Perovich v. Humphrey, 1997 WL 674975 (N.D. Ill. Oct. 28, 1997).

Schweitzer v. Northland Group, Inc., 2014 WL 5782991 (S.D. Fla. Nov. 6, 2014).

Collins v. Portfolio Recovery Assocs., 2013 WL 9805805 (E.D. Tenn. June 7, 2013).

Conklin v. Jeffrey A. Maidenbaum, Esq., 2013 WL 4083279 (S.D.N.Y. Aug. 13, 2013).

Zimmerman v. Portfolio Recovery Assocs., L.L.C., 276 F.R.D. 174 (S.D.N.Y. 2011).

Carpenter v. RJM Acquisitions, L.L.C., 787 F. Supp. 2d 971 (D. Minn. 2011).

Wiegand v. JNR Adjustment Co., 2002 U.S. Dist. LEXIS 7292 (D. Minn. Apr. 22, 2002).

Brown v. Palisades Collection, L.L.C., 2011 WL 2532909 (S.D. Ind. June 24, 2011).

Luker v. G.C. Servs., L.P., 2011 WL 1601048 (S.D. Tex. Apr. 27, 2011).

Diaz v. G. Reynold Sims & Assocs., P.C., 2011 WL 17620 (E.D. Mich. Jan. 4, 2011).

Burks v. Washington Mut. Bank, 2008 WL 4966656 (E.D. Mich. Nov. 17, 2008).

Kattula v. Jade, 2008 WL 495298 (E.D. Mich. Feb. 20, 2008).

Albanese v. Portnoff Law Assocs., Ltd., 301 F. Supp. 2d 389 (E.D. Pa. 2004).

Piper v. Portnoff Law Assocs., Ltd., 274 F. Supp. 2d 681 (E.D. Pa. 2003), aff’d, 396 F.3d 227 (3d Cir. 2005).

Fetters v. Paragon Way, Inc., 2010 WL 5174989 (M.D. Pa. Dec. 15, 2010).

Caron v. Charles E. Maxwell, P.C., 48 F. Supp. 2d 932 (D. Ariz. 1999).

Fischer v. Unipac Serv. Corp., 519 N.W.2d 793 (Iowa 1994).