Debt Validation Playbook

Every debt collector contacting you about an alleged debt has to prove it. Federal law gives you the right to demand validation under FDCPA Section 809, and most collectors who can't prove the debt simply stop. This Playbook walks you through the procedure with the exact letters you send at each stage.

What's Inside

• 6 letter templates: validation request, no-validation follow-up, verification challenge, statute of limitations response, settlement offer, and re-aging dispute
• Statute of limitations primer with state-specific research guidance — know before you respond whether the debt is legally enforceable
• 30-day execution checklist with day-by-day actions and certified mail tracking
• 5 escalation paths when collectors ignore your letters: CFPB complaint, state attorney general, FTC report, private lawsuit under FDCPA Section 813, and state-law remedies
• Cited to FDCPA §§ 807, 809, and 813 and FCRA § 605 throughout

Bonus — Included Free

The Credit Repair Starter Kit — 18 pages, 10 dispute letter templates covering both US (FCRA/FDCPA) and Canadian (PIPEDA/provincial) law. Delivered with your purchase at no extra charge.

Who It's For

US consumers dealing with third-party debt collectors on credit card debt, medical debt, personal loans, or any other unsecured debt. Anyone who has received a collection notice and wants to know whether the debt is valid, enforceable, and worth paying — before making any decisions.

Who It Isn't For

This Playbook covers US federal debt collection law — FDCPA and FCRA. It does not cover Canadian debt collection. It does not cover student loan servicers (which operate under different federal rules) or IRS collection. It is educational content, not legal or financial advice. Outcomes vary. Consult a licensed attorney before taking legal action.

Delivery

Instant download as a PDF. Published by Credit Decoded, a Snaz Consulting Inc. brand.