American Debt Enders Says Time For Education…What Is Debt Invalidation?

If you Google this term you will find pros and cons about Debt Invalidation Programs. So, lets clear the record. Debt Invalidation is not so much a program, as it is a set of laws that debt collectors must adhere to when trying to collect a debt. The invalidation part means simply that just because I call you demanding payment for a debt I say you owe, I must have the ability when and if challenged to be able to legally demonstrate that 1: the debt is real, and 2: you really owe it.

You would be amazed how many debt collectors cannot validate a debt that they insist you pay or have slammed your credit report with. In fact there are over a dozen consumer laws that cover debt invalidation both state and federal. When used by someone who understands them they can be extremely powerful. So this is not an article on how to use these laws however I will explain one way to use them coupled with Debt Settlement that will make them extremely powerful and get you a lower settlement. In fact, if you would rather not settle the debts after they are invalidated , you do not have to. That is the essence of our debt dispute program.

The first part of any Debt Settlement Program should be debt invalidation. This puts the collector on notice that the settlement company is going to be very aggressive in getting you the best settlement, and I guarantee it works. In the majority of instances no collection company can answer a well crafted invalidation attack, or a forensic audit. That’s because the full trail of paperwork that supports your debt, if it is your debt, rarely follows their purchase of the debt. No matter what a collector tries to say they are required to validate the debt when asked or simply remove it from your credit report if they cannot and cease collection efforts.

So, when debt invalidation is coupled with other elements of a debt settlement program the result is often and faster and lower settlement. Couple that with representation by an attorney who understands this process and that is debt settlement on steroids. We now also offer a stand alone Debt Dispute program that is so powerful that if you enroll and we are not successful at eliminating your debt, we will give you your money back. We will also remove the item from your credit report. All this for about half of what you would pay in a debt settlement program.

If you are interested in the program simply visit American Debt Enders, or call us at 877-766-2465. You will love this program.

Yours Truly,

Steven Ciantro Consumer Advocate American Debt Enders Help@americandebtenders.com Rated 3rd Nationally Certified Credit Counselor TalkShoe Radio Host Member National Association of Certified Credit Counselors Debt Expert for Gail Kasper‘s Top 1% Club Top 1 Percent Club Linkedin Profile Author #1 Ranked Debt Relief Newsletter 877-766-2465
If you Google this term you will find pros and cons about Debt Invalidation Programs. So, lets clear the record. Debt Invalidation is not so much a program, as it is a set of laws that debt collectors must adhere to when trying to collect a debt. The invalidation part means simply that just because I call you demanding payment for a debt I say you owe, I must have the ability when and if challenged to be able to legally demonstrate that 1: the debt is real, and 2: you really owe it.
You would be amazed how many debt collectors cannot validate a debt that they insist you pay or have slammed your credit report with. In fact there are over a dozen consumer laws that cover debt invalidation both state and federal. When used by someone who understands them they can be extremely powerful.
So this is not an article on how to use these laws however I will explain one way to use them coupled with Debt Settlement that will make them extremely powerful and get you a lower settlement. In fact, if you would rather not settle the debts after they are invalidated , you do not have to. That is the essence of our debt dispute program.
illustration of man carrying debt on shoulders

What Is Debt Validation?

Challenging a debt with a creditor is known as debt validation. It determines the authenticity of a specific debt. The purpose is to show that the debt is legitimate and not the consequence of identity theft or another hoax.

This is normally accomplished by double-checking the outstanding balance, the creditor’s name and contact information, and the conditions of the debtor-creditor agreement. Debt validation is what you need to get rid of debt collectors legally.

If you can successfully authenticate the debt, the creditor will be required to stop trying to collect the amount and delete any unfavorable notes on your credit record. Although the validation process is time-consuming, it is worthwhile if the debt is determined to be invalid.

Debt Validation Letters

Right now, debt validation letters seem to be all the rage. The usefulness of debt validation letters is a hot topic of discussion. Some individuals swear by them, while others believe they are a complete waste of time. So, what is the truth? Do debt validation letters have any effect?
Debt validation letters can effectively prevent creditors from contacting you and reporting your account as of late to credit bureaus.
illustration of man shocked with credit bill

What Is The Purpose Of A Debt Validation Letter?

A debt validation letter is a request to a creditor to confirm the debt’s legitimacy. It’s usually sent by someone who disputes the debt or thinks it’s been represented incorrectly. The creditor is asked to supply detailed information about the debt, such as the due date, owed amount, etc.
You can use this letter to defend yourself against debt collectors attempting to collect on an unpaid bill. You can also use it to challenge the debt’s amount or the contract’s conditions.

What Are The Consequences Of Failing To Obtain A Debt Validation Letter?

If you don’t have a debt validation letter, you’re welcoming several risks for yourself. The first is that the debtor may unintentionally agree to a debt for which they are not responsible. This can happen if the creditor gives you false or incomplete debt information.
Secondly, the creditor may sue the debtor for the debt. If the debtor does not have a validation letter, they will have to go through the court system to prove that they are not responsible for the debt. This procedure is both costly and time-consuming.
Thirdly, the creditor may continue to harass the debtor. Even if the debtor does not owe the obligation, proof proving they do not owe it will be necessary. If they fail to give this proof, the creditor may file a lawsuit against them and legally sue them.
illustration of man carrying debt on his back

How Will Debt Validation Benefit You

Protects You From The Unlawful Practices Of Debt Collectors

Debt validation is a legal procedure that protects you from harassment at the hands of debt collectors. It works by demonstrating to the debt collector that you are not responsible for the bill. You can do this by several methods, the most common of which is mailing a debt validation letter.
The debt collector will be forced to stop contacting you if they cannot prove that you owe them money. If they can’t give proof that you owe them money, they can’t phone you, email you, or contact you in any other manner. This offers you some breathing room to think out what you want to do next.

Protects Your Loved Ones From Debt Collectors

Debt validation is a technique for preventing debt collectors from contacting your friends, family, or work. It’s a method of determining whether the debt you’re being asked to pay is legitimate.
The collection agency must stop contacting you and your family if you decide to legitimize the debt. They must also provide you with written proof of the debt. This method can help you avoid debt collectors from bothering you with phone calls, emails, and letters.

It Proves That You Owe Them Money

For debt validation, you write a letter to the creditor requesting validation. The purpose is to make sure that you owe the debt. If the creditor cannot offer proof of payment, the debt is deemed invalid, and you are no longer liable.
illustration of man hanging from a single dollar into backruptcy

Helps Protect Your Credit Score

Finally, it helps protect your credit score. A debt validation letter might assist you in demonstrating that you are making efforts to repay your debts. This is significant from the viewpoint of credit reporting companies.

Therefore, the first part of any Debt Settlement Program should be debt invalidation. This puts the collector on notice that the settlement company is going to be very aggressive in getting you the best settlement, and I guarantee it works. In the majority of instances no collection company can answer a well crafted invalidation attack, or a forensic audit.

That’s because the full trail of paperwork that supports your debt, if it is your debt, rarely follows their purchase of the debt. No matter what a collector tries to say they are required to validate the debt when asked or simply remove it from your credit report if they cannot and cease collection efforts.

So, when debt invalidation is coupled with other elements of a debt settlement program the result is often and faster and lower settlement. Couple that with representation by an attorney who understands this process and that is debt settlement on steroids.

We now also offer a stand alone Debt Dispute program that is so powerful that if you enroll and we are not successful at eliminating your debt, we will give you your money back. We will also remove the item from your credit report. All this for about half of what you would pay in a debt settlement program.

If you are interested in the program simply visit American Debt Enders, or call us at 877-766-2465. You will love this program.

Yours Truly,
Steven Ciantro

Consumer Advocate American Debt Enders
help@americandebtenders.com
Rated 3rd Nationally Certified Credit Counselor
TalkShow Radio Host
Member National Association of Certified
Credit Counselors Debt Expert for Gail Kasper‘s Top 1% Club
Author
#1 Ranked Debt Relief Newsletter
877-766-2465

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