The Federal Debt Collection Practices Act has an important section regarding debt validation. In order to protect consumers who are in dispute with debt collectors, the consumers are given the right by the federal government, to challenge the validity of any debt claimed by a collection agency.
The Fair Debt Collection Practices Act
The topic can be found in The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809, in which it is stated that:
a. Within five days after the initial communication with a consumer, in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing the following, unless the following information is contained in the initial communication or the consumer has paid the debt.
