Why should the Validation of Debt Letter be sent by Certified Mail?

Sending letters by certified mail with return receipts through your local post office does cost money.  So, you may be wondering:  “Should I really send the Validation of Debt Letters by certified mail?”

YES! While you may frown at the cost of sending the letter by certified mail, it is definitely worth it.

Per the Fair Debt Collection Practices Act (FDCPA), once a consumer has requested validation from a third party collection firm, the collector must cease all collection activity until they provide the debtor proper written validation.  Remember, the collector is not required to send you validation – but they cannot call you or send you collection letters until they do!

So, if you were to send the Validation of Debt Letters without proper tracking, how would you know when and if the collector received your letter?  Requesting proper Validation is your right.  You need to protect that right by sending the Validation of Debt Letter by certified mail with a return receipt so that you know when each collector has received your letter.  At that point in time, all phone calls should stop until your receive written validation.  If collection efforts do not stop, this may be a violation of the FDCPA and is something you need to report to Paydoff as soon as possible