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Reaffirming Debt After Bankruptcy

This debt reaffirmation letter acknowledges debt that continues to be owed to a creditor following a bankruptcy.

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Validation of Debt (Admission by Silence)

Following unanswered requests to provide proof of debt, this letter addresses the responsibility of the creditor to prove a claim or face a lawsuit from the petitioner.

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Validation of Debt (After Dispute to Bureau)

This letter seeks proof of authorization froma credit bureau that is reporting an account as a collection account.

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Validation of Medical Debt (HIPAA Request)

Referring to HIPAA guidelines, this letter seeks proof of debt when approached by an unexpected medical collections agency when permission may not have been given.

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Warning Violation for Expired Debt Collection

This letter informs a collection agency that the debt that is being sought has surpassed a statute of limitations and is no longer collectable.

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