The process of invalidating erroneous debts is an analysis of your credit report and preparation of correspondence to your creditors or 3rd party collection agencies seeking validation of your debts. Once you are enrolled in a validation program, a series of thorough dispute packages are to be sent to each creditor and collection agency demanding that they provide the correct documentation and proof of their right to collect from you pursuant to state and federal law.

Debt Validation, refers to a consumer’s right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer’s rights under the United States Federal Fair Debt Collection Practices Act (FDCPA). Upon disputing this debt, if the creditor cannot provide complete accurate documentation and verify the debt, then they cannot collect on the debt.