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How to Validate a Debt (What to Do When You Get a Collection Letter) We are going to discuss what to do with those nasty collection letters that you may receive from collection agencies and original creditors. Whenever you start to get collection letters from original creditors and collection agencies, there is usually a statement at the bottom or somewhere in the letter that says, to some effect, This is an attempt to collect a debt and any information obtained will be used for that purpose. That statement is placed in the letter because it is required by law. It may go on to say somethin...