Rook

Dispute Like a Pro

Validating Collections

Make collectors prove the debt — or watch it drop.

Lesson 2 of 7 ~90 min

Under FDCPA §809, you have 30 days from first contact to demand validation in writing.

Validation means the original contract, full payment history, and proof of assignment from the original creditor.

Collectors who can't validate must stop reporting. Many drop the account rather than dig up paperwork.