FDCPA Debt Validation Letter (Georgia)

DEBT VALIDATION LETTER — GEORGIA

1. SENDER INFORMATION

[CONSUMER FULL LEGAL NAME]

[STREET ADDRESS]

[CITY, GA ZIP]

[PHONE]

[EMAIL]

2. DELIVERY METHOD AND TRACKING

Sent via U.S. Postal Service Certified Mail, Return Receipt Requested

Article No.: [____________________________________]

[Optional duplicate by First-Class Mail and email]

3. DATE

[DATE]

4. RECIPIENT INFORMATION

[DEBT COLLECTOR ENTITY NAME]

Attn: Compliance / FDCPA Dispute Department

[STREET ADDRESS]

[CITY, STATE ZIP]

Reference / Account No.: [________________________________]

Original Creditor (if known): [________________________________]

Amount Demanded: $[__________]

5. SUBJECT LINE

RE: Notice of Dispute and Demand for Validation under 15 U.S.C. § 1692g(b) — Account Reference [______________]

6. BODY OF LETTER

To Whom It May Concern:

I am the consumer identified above. I received your validation notice concerning the alleged debt on [__/__/____]. I dispute the debt [IN WHOLE / AS TO THIS PORTION: __________] and request verification under 15 U.S.C. § 1692g(b). I also request the name and address of the original creditor, if different from the current creditor. If this letter reaches you within thirty (30) days after I received your validation notice, it is my timely written dispute and original-creditor request under that section.

If this written dispute and original-creditor request are received within the validation period, please cease collection of the debt or disputed portion until you mail the verification or judgment copy and, if different, the original creditor's name and address as required by 15 U.S.C. § 1692g(b). The additional records requested below are voluntary unless separate law requires them.

6.1. Additional Records Requested

In addition to any verification required by 15 U.S.C. § 1692g(b), please send the following records if available:

☐ A complete chain of title for the Alleged Debt, including all assignments, sales, or transfers, with corresponding bills of sale, assignment agreements, or other proof of your authority to collect;

☐ A copy of the original signed contract, promissory note, credit application, or other instrument that gave rise to the Alleged Debt;

☐ A complete itemized accounting showing the original principal, all charges, all interest, all fees, all payments, and all credits, from inception to the date of your letter;

☐ The dates of (i) the last payment, (ii) the date of first delinquency, and (iii) the date of charge-off;

☐ A statement of the method of calculation for any post-charge-off interest or fees you claim;

☐ The amount you paid (or that any prior assignee paid) to acquire the Alleged Debt, if you are a debt buyer;

☐ Proof that you (or, if applicable, the entity for whom you collect) are licensed or registered to collect debts in Georgia, to the extent any such license or registration is required;

☐ The identity and contact information of any person who possesses personal knowledge of the records concerning the Alleged Debt sufficient to lay a foundation in any litigation.

6.2. Notices and Reservations

a. Cease Collection. If this timely written dispute and original-creditor request are covered by 15 U.S.C. § 1692g(b), cease collection of the debt or disputed portion until you mail the verification or judgment copy and, if different, the original creditor's name and address required by that subsection.

b. Credit Reporting. If you furnish the Alleged Debt to a consumer reporting agency after receiving this dispute, 15 U.S.C. § 1681s-2(a)(3) requires notice that the information is disputed. Separately, 15 U.S.C. § 1692e(8) governs a covered debt collector's communication of credit information known or that should be known to be false, including failure to communicate that a disputed debt is disputed. Sections 1681s-2(c) and (d) limit private liability and enforcement for subsection (a).

c. Communication Preference. Please use postal mail at the address above for any communication you are permitted to make. I request no telephone calls or workplace contacts. This paragraph states a contact preference; it is not a request to cease all communications under 15 U.S.C. § 1692c(c).

d. No Admission. Nothing in this letter is an admission of liability for the Alleged Debt, an acknowledgment of any underlying obligation, or a waiver of any right or defense. I expressly reserve all rights, claims, and defenses, including without limitation defenses of statute of limitations, lack of standing, lack of personal jurisdiction, identity theft, payment, accord and satisfaction, and discharge in bankruptcy.

e. Attorney Representation. ☐ I am represented by counsel for this debt: [ATTORNEY NAME / FIRM / ADDRESS / PHONE]. Under 15 U.S.C. § 1692c(a)(2), absent prior consent given directly to the collector or court permission, direct consumer contact is barred when the collector knows of the representation and knows or can readily ascertain counsel's name and address, unless counsel fails to respond within a reasonable period or consents to direct contact. ☐ I am not currently represented by counsel.

f. Record Retention. Please preserve account notes, call logs, recordings, letters, and electronic records relating to this account.

6.3. Consequences of Continued Collection Without Validation

If collection of the disputed debt resumes before the verification or judgment copy and, if different, the original creditor's name and address required by 15 U.S.C. § 1692g(b) are sent, I will pursue all available remedies, which may include:

• A civil action under 15 U.S.C. § 1692k for actual damages, additional damages as a court may allow up to $1,000, and reasonable attorney's fees and costs in a successful action;
• If the conduct and injury fall within the Georgia Fair Business Practices Act, a claim under O.C.G.A. § 10-1-399 after any required written pre-suit demand; statutory remedies depend on the facts and the court's findings;
• A complaint to the Consumer Financial Protection Bureau, the Georgia Attorney General's Consumer Protection Division, and any applicable licensing authority;
• A dispute with each consumer reporting agency to which you have reported the Alleged Debt, and any further FCRA action that may follow.

7. CLOSING

Please respond in writing. If this timely written dispute and original-creditor request are covered by 15 U.S.C. § 1692g(b), do not resume collection of the disputed debt or portion until you mail the verification or judgment copy and, if different, the original creditor's name and address required by that subsection. The additional items in Section 6.1 are voluntary requests unless separate applicable law requires them; nonresponse does not by itself cancel the debt or require deletion of a tradeline.

Sincerely,

[________________________________]

[CONSUMER NAME — printed]

Date signed: [__/__/____]

8. ENCLOSURES / ATTACHMENTS

• Exhibit A — Copy of the collector's validation notice (if attached)
• Exhibit B — Copy of any disputed billing or account statement
• Exhibit C — Identification documents (where appropriate, redact full SSN)

9. PROOF OF MAILING (For Sender's File)

10. PRACTICE NOTES

• The 30-day period under 15 U.S.C. § 1692g runs from receipt of the collector's validation notice. Record the date received and the date this letter was delivered.
• The Georgia Fair Business Practices Act applies only where its consumer-transaction and injury requirements are met. A separate written demand under O.C.G.A. § 10-1-399(b) may be required before filing a covered Georgia private action; this validation letter does not by itself establish such a claim.
• Keep a copy of this signed letter and proof of delivery.

11. SOURCES AND REFERENCES

• Official U.S. Code, 15 U.S.C. § 1692g
• Official U.S. Code, 15 U.S.C. § 1692c
• Official U.S. Code, 15 U.S.C. § 1692e
• Official U.S. Code, 15 U.S.C. § 1692k
• Official U.S. Code, 15 U.S.C. § 1681s-2
• Georgia Attorney General, official FBPA statute text; 2025 SB 201 § 2 amended § 10-1-393(b), 2025 SB 213 § 3 amended § 10-1-399(a), and the 2026 enacted-section index lists later changes.