What information do I put in a debt validation letter?
Hello! I just have one question. The original creditor which was credit one bank sold my account to LVNV Funding LLC a debt buyer.
LVNV funding has assigned halsted financial services to handle my account. should my debt validation letter go to LVNV Funding or halsted financial services?
17
6
Solved
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt within 30 days of first being contacted by a debt collector. Even if more than 30 days have passed, it’s still often worth requesting—it can slow down or stop collection activity while things are sorted out.
In your letter, you can mention that you acknowledge an account may have existed with Credit One Bank, but you dispute the accuracy of the charges.
Include a request for the following:
- The name of the original creditor (you already know it’s Credit One Bank, but it should still be confirmed in writing).
- A breakdown of the charges and payments on the account so you can identify the ones you believe are inaccurate.
- Proof that LVNV Funding owns the debt and that Halsted Financial is authorized to collect on their behalf.
- A copy of any judgment, if they are claiming one exists.
Send the letter via certified mail with return receipt requested. This gives you proof of when they received your letter and starts the clock for them to respond. It also helps protect your rights if you ever need to prove that you made the request.
Do not acknowledge the debt as yours in writing beyond stating that you are requesting validation.
Even though you know you had an account, the minute you start saying things like “I owe this,” you risk resetting the statute of limitations or creating unnecessary complications—especially since you mentioned that some of the charges are incorrect.
Keep copies of everything.
Emails from Halsted, letters sent and received, and especially anything showing incorrect charges—this could be important if the matter escalates or they try to sue you.
0
Debt Validation Letter
Create Document
Full Conversation
Hello! I just have one question. The original creditor which was credit one bank sold my account to LVNV Funding LLC a debt buyer.
LVNV funding has assigned halsted financial services to handle my account. should my debt validation letter go to LVNV Funding or halsted financial services?
I understand your situation. Have you received any communication from either LVNV Funding or Halsted Financial Services regarding this debt?
Yes, I have from both. LVNV funding has stopped communicating and now Halsted Financial services are sending emails on there behalf.
Are you looking to dispute the debt or request validation of the debt from the new creditor?
Both. I know I had an account with them but some of the charges are incorrect.
Is there anything else the Consumer Protection Lawyer should know before I connect you? Rest assured they'll be able to help with disputing incorrect charges.
No, that is it.
Hi there and welcome to AskaLawyer. My name is Brandon and I'm an attorney. I' be happy to help you out today.
Please note that this discussion is for guidance only and does not constitute an Attorney-Client Relationship. My answers and comments should not be considered legal advice.
Please also note that I am human, that I often need to research your answer to give you an accurate response, that I work with other customers and get up from time to time.
So please be patient while waiting for a response. If more than 30 minutes have passed, please feel free to reach out.
Okay thanks !
Send your debt validation letter to Halsted Financial Services.
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt within 30 days of first being contacted by a debt collector. Even if more than 30 days have passed, it’s still often worth requesting—it can slow down or stop collection activity while things are sorted out.
In your letter, you can mention that you acknowledge an account may have existed with Credit One Bank, but you dispute the accuracy of the charges.
Include a request for the following:
- The name of the original creditor (you already know it’s Credit One Bank, but it should still be confirmed in writing).
- A breakdown of the charges and payments on the account so you can identify the ones you believe are inaccurate.
- Proof that LVNV Funding owns the debt and that Halsted Financial is authorized to collect on their behalf.
- A copy of any judgment, if they are claiming one exists.
Send the letter via certified mail with return receipt requested. This gives you proof of when they received your letter and starts the clock for them to respond. It also helps protect your rights if you ever need to prove that you made the request.
Do not acknowledge the debt as yours in writing beyond stating that you are requesting validation.
Even though you know you had an account, the minute you start saying things like “I owe this,” you risk resetting the statute of limitations or creating unnecessary complications—especially since you mentioned that some of the charges are incorrect.
Keep copies of everything.
Emails from Halsted, letters sent and received, and especially anything showing incorrect charges—this could be important if the matter escalates or they try to sue you.
Okay thank you so much!
Also if halsted financial services do not have a mailing address but only an email address and phone number what do you recommend I do?
You can look it up or just send an email.
Gotcha thanks!
You’re very welcome. Feel free to add me to your favorites. Thanks for using AskaLawyer.
Brandon
16,155 satisfied customers
5 lawyers online now
Disclaimer
By messaging AskaLawyer.com, you agree to our Terms and have read our Privacy Policy.
The information provided on AskaLawyer.com is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and timeliness of the information presented, we make no guarantees regarding its completeness or applicability to your specific circumstances.
Use of this website does not create an attorney-client relationship between you and AskaLawyer.com or any of its attorneys. Communications through this website, including any responses from attorneys, are not privileged or confidential. For advice tailored to your individual situation, we recommend consulting a licensed attorney in your jurisdiction.
AskaLawyer.com disclaims any liability for actions taken or not taken based on the content of this site. We are not responsible for any third-party content that may be accessed through this website. Reliance on any information provided herein is solely at your own risk.
