Debt Validation Letter

A debt validation letter is a letter that a person can send to a collector, requesting they show validation of the debt. Ideally, the letter will cite the FDCPA. The CFPB has templates of them: https://www.consumerfinance.gov/consumer-tools/debt-collection/

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Affidavit
Affirmative defense: Plaintiff’s claims are barred in whole or in part because Defendant never incurred a debt to Plaintiff.
Affirmative defense: Plaintiff’s claims are barred in whole or in part because Defendant paid all or part of the debt.
Affirmative defense: Plaintiff’s claims are barred in whole or in part because Defendant’s debt was discharged in bankruptcy.
Affirmative defense: Plaintiff’s claims are barred in whole or in part because Plaintiff breached its contract with Defendant.