What should I do if I believe my debt is invalid?
An example of an AI chatbot conversation about handling invalid debt claims.
I just received a notice about a debt I don't recognize. What should I do?
First, don't panic. Verify the debt by requesting a validation letter from the creditor.
How do I request a validation letter?
You can send a written request to the creditor asking for details about the debt, including the amount and the original creditor.
What if they can't provide proof of the debt?
If they can't provide proof, you can dispute the debt with the credit bureaus and request it be removed from your report.
Is there a time limit for disputing a debt?
Yes, you typically have 30 days from the date you receive the validation notice to dispute the debt.
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