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Debt collectors must prove a few key things before they can collect. Here's what they ask for — and why it matters.

Only when they asked the debt collector for a debt validation letter to prove that they own ... The poster could also look up the name of the debt collection company and verify that it exists.

Decide what you can afford: Take an honest and detailed look at your ... the charged-off debt. This written correspondence is called a validation notice or debt validation letter and is required ...

This written correspondence is called a validation notice or debt validation letter and is required within five days of contacting you. The letter or notice should include the amount you allegedly ...