Debt Validation Services

These are some questions that you may need answers to:

1. How long does a debt collector have to validate a debt?
2. What if a collection agency refuses to validate debt?
3. What to do after receiving a debt validation letter?
4. Debt validation letter after 30 days have passed
5. Collection agency failed or refuses to validate debt
6. Debt collector did not validate debt

American Debt Ender’s experts utilize the banking and consumer protection laws in order to dispute the validity of your debt. After the information about your debt has been sold to a third party you are no longer dealing with the original creditor. Your original creditor has already been paid in full by insurance they carry against all debt. We prove that the third party is trying to collect a debt that no longer exists. We have been doing this with great success for over 15 years.

American Debt Enders provides legal services with our program in order to protect our clients should a litigation, threat of litigation, or settlement situation be necessary. We have lawyers in all fifty states on retainer ready to protect you and your rights as a consumer.

Hardship is Not A Legal Defense For Debt Relief

I get it. We have all gone through big stuff in our lives. 

Divorce, Sickness, Drug Problems, Spent too much money, Didn’t Make Enough Money, and on and on.

So, if you call everyone that you owe money to, surely, they will understand
these problems, and give you a break.

Usually, one break. That is it. They might give you Grace on your payments, once, promise not to repossess the car, just this time.

So, if you are currently in a financial hardship, I suggest you use the time to
talk to a professional. American Debt Enders provides absolutely free credit counseling from professionals.

Not, people just trying to sell you a debt relief program, but people trained to listen and then help you find a way out.

Be very careful who you call. If they sound like they are a salesman, and just trying to sell you their program, run the other way.

Better counseling produces better results!

If they seem like they care, and are not rushing you into something, then continue the conversation. Trust me, as someone who has been a credit counselor for over 15 years, you can tell the difference.

The salesman will sell you anything your willing to buy, whether or not it is right for you.

The true credit counselor will analyze your position and present the best alternatives for you.

With the proper information, you must decide which is the right program for you and finally, enroll in the program.

The last step is vital!

You must begin the process, because if you are subpoenaed into a court of law, neither the judge or the debt collector will be interested in your story of woe!

Legal Support

As part of our program, we provide legal support in your state to deal with any legal issues. So, what does all this have to do with Legal Defense for Debt Relief?

In certain situations, you may be threatened by a collector or creditor to bring you to court. This may be in the form of a letter or a subpoena. In this case, It would be brought to the attention of your attorney and the attorney would suggest the best way to handle it.

Now keep in mind, that you now have an attorney working for you, communicating with the collector or creditor’s attorney. You are always in a better positon when it’s attorney too attorney communicating instead of the average person. This is very important!

Your attorney will decide how to proceed in your best interest, whether there is a case for dispute because laws were not followed or a negotiated settlement is in your best interest. Even in a settlement situation, they can usually negotiate your debt down to significantly lower debt, stop all interest and penalties and set up a long term payment plan. You’re in the hands of professionals that know the laws work and how to apply them to your situation.

Homeowners in Ohio racked an average of over $125,000 in debt, a surprising figure that is only projected to increase as time passes. Nowadays, it seems imminent for Americans to fall into the debt trap, only being able to pay off minimums and having their interest rates skyrocket as time passes.

FAQ's

Debt validation is requesting a credit agency for proof that you own a specific debt. There can often be errors and mistakes in various financial records, and debt validation allows people to go through these various records to check if there are any erroneous sections that you can validate and prove wrong.
Debt validation is 100% legal. It’s actually your right as a citizen and comes under the Fair Debt Collection Practices Act. It’s crucial that you work with legitimate services that assist in debt validation programs and stay away from businesses that make guaranteed claims of debt validation working out. There are chances that debt validation might work out but it’s never guaranteed.
Debt validation works for a wide range of unsecured debts. The most common forms of unsecured debts for debt validation services include personal loans, medical, or credit card debt. You can get in touch with a debt validation service and inquire about your options for the kind of unsecured debt pertaining to you.

There are two major requirements for debt validation. Firstly, the debt should be an unsecured debt. Secondly, it should be around $7,000 in total unsecured debts for it to be validated. As previously stated, there should be proof of an erroneous detail on the records for a debt to be invalidated.

Debt validation services often help negotiate the terms of your debt for you. You can find yourself paying off larger sums that power in a monthly payment plan or often have the original debt reduced for your convenience upon negotiation.

Debt validation is a helpful service so consumers can be guided on the following:

  1. How long does a debt collector have to validate a debt?
  2. What if a collection agency refuses to validate debt?
  3. What do I need to do after receiving a debt validation letter?
  4. What do I do with a debt validation letter after 30 days have passed?
  5. What if the collection agency failed or refuses to validate debt?
  6. What do I do if the debt collector did not validate debt?

We provide service in different parts of the USA. Get a free consultation by filling up the form below:

Debt Validation Services
Free Credit Consultation

Settle your debt Today!