debt relief program called debt validation proves Cap One debt invalid
Capital One credit card gets disputed: The consumer gets to walk away from the collection agency without paying & the debt is getting removed from credit reports

Debt Validation

The following page will explain how a debt validation program works and provide examples throughout the page of successful cases. For the last six years, debt validation has been a top choice for consumers when it comes to debt relief programs offered by Golden Financial Services. A debt validation program can be less expensive than debt settlement and could result in a debt getting removed from credit reports.

Consumer protection laws require collection agencies to maintain complete and accurate records. Debt validation, or “debt verification,” refers to a consumer’s right to challenge a debt. Debt validation programs use these consumer protection laws to force collection agencies to prove that they are maintaining complete and accurate records. 

What does it mean to validate a debt?

Validating a debt means that the collection agency was able to prove the debt is valid and that they are legally attempting to collect on it.

Unbelievably, collection agencies can rarely prove a debt is valid after it gets disputed with a debt validation program. Even debts that have a large balance can easily get invalidated. 

Example of a $15K+ Credit Card Debt (formerly American Express) agreeing to stop collection on the debt & remove it from Experian, Equifax & Transunion

American Express Credit Card Debt Relief Program - debt validation

This next example illustrates a Bank of America credit card debt with a balance of over $8,000 getting invalidated with a debt validation program


debt relief program disputes bank of america credit card debt that had a balance of over $5,000

Example of a Synchrony Bank Debt Getting Invalidated & Removed From Credit

What is a debt validation letter? And what does it mean to validate a debt?

How Debt Validation Programs Work

A debt validation program offers qualified applicants an affordable monthly payment to deal with all of their unsecured debts. Not one, but fourteen federal laws can be used to dispute debt on a validation program, including the FDCPA, FCRA, Credit Card Act, FCBA and several others.

What kind of debt qualifies on a validation plan?

Whether it was initially a credit card or medical debt, almost all types of unsecured debt can get disputed and invalidated. Credit card debt is the most popular type of account that gets enrolled in a validation program but not all accounts qualify. For example, a Discover credit card, will not qualify because Discover is infamous for suing their clients.

For that reason, we recommend putting Discover credit cards into an attorney-based debt settlement program where legal protection is included. Debt settlement programs can cut your debt by close to 60% (before company fees get added in).

If Discover issues a person a summons while enrolled in a debt settlement program their attorney can provide legal defense to them, while negotiating the debt down to a fraction of what’s owed. Some consumers will get approved for two programs, putting Discover in the debt negotiation plan and enrolling all other accounts in the debt validation program.

The easiest way to figure out your best debt relief option is to call one of our Certified Counselors at (866) 376-9846. Let an expert help you, personalizing a plan to help you resolve your financial problems and achieve financial freedom.

Example of a debt validation program successfully disputing a medical debt & getting it removed from credit

medical debt gets invalidated with a debt validation program

Case of a credit card debt that gets invalidated after getting challenged on a debt validation program

ERC- Barclays Bank Credit Card Debt Gets Proven Invalid With Debt Validation


Technically speaking, here’s how a debt validation process works

After a person falls behind on credit card debt, a collection agency will soon take over the account. Credit card companies show the delinquent credit card debt as a loss on their balance sheet, allowing them to get reimbursed through tax credits and banking insurance.

So if your question is; “how could the bank let me walk away without paying?” Rest assured, Banks have contingency processes in place to make sure they get paid, even if you’re not able to pay the debt in full.

  • Additional fees get tacked on to a debt by the collection agency at the time the original creditor sells the account. You never agreed to these fees, and therefore, if disputed the collection agency can’t prove the debt is valid. Creditors cannot legally modify the terms of the credit card contract that they had you originally sign without your authorization.
  • Banks will sell hundreds of accounts at once, not taking sufficient time to ensure all of the accurate and complete documentation gets transferred to the collection agency. Consequently, it’s near impossible for a collection agency to prove a debt is valid after getting disputed. Banks will even put a disclosure on the sale order: “this account may not be able to get validated if disputed.”
  • After a debt gets disputed and the collection agency fails to prove its validity, the consumer will receive a letter illustrating that the collection agency agrees to stop collection on the account. (See examples of that letter above and below on this page) In court, this letter would act as a defensible record proving the debt to be invalid. The collection agency agrees to stop collection on the debt due to their inability to prove it to be a valid debt. In the future, if a new collection agency takes over the account and illegally attempts to collect on the debt, this validation letter acts as proof that the account was already proven to be invalid. This debt validation letter can continue to be used as proof until the debt expires past the statute of limitations.
  • Additionally, the collection agency can no longer legally report the account on the consumer’s credit report after it’s proven to be legally uncollectible. Therefore, as a bi-product to debt validation, a consumer could get the debt removed from their credit. A debt dispute program will use credit restoration to dispute the debt on the consumer’s credit if the collection agency fails to remove it on their own.

Why can’t so many collection agencies prove a debt is valid?

Collection agencies quickly agree to stop collection on debt in many cases, without providing a reason. How is this possible? Is it more costly for a collection agency to invest sufficient time into proving a debt is valid? Is it because the collection agency can’t prove that they are legally authorized to collect on a debt due to either missing documentation or inaccurate information? Could the collection agency have been involved in some fraud in the past?

There are many reasons why collection agencies can’t prove a debt is valid. For that reason, debt validation programs work! Before paying on a collection account or agreeing to settle a credit card debt that may not even be valid, use debt validation to dispute it.

Debt validation programs allow you to force the collection agencies to prove that they are legally authorized to collect on an account.


Is debt validation a new program?

Debt validation is nothing new; it’s been around forever! Just as of late, it’s becoming news to the public.

USA Today just reported:

“Chase Bank closed all credit card accounts in the country in March 2018. … Originally, customers were told to continue paying their debt, but the company confirmed Friday to USA TODAY that the debt was now canceled.” reports:

“Chase filed more than 528,000 debt collections lawsuits against consumers and provided more than 150,000 sworn statements to debt buyers for their collections lawsuits against consumers, often using robo-signed documents. In doing so, Chase systematically failed to prepare, review, and execute truthful statements as required by law. Chase is also accused of collecting on so-called zombie debts — accounts that were either already settled or too old to collect on. (You can see what your state’s statute of limitations is on this map.) … Chase sold faulty and false debts to third-party collectors, including accounts with unlawfully obtained judgments, incorrect balances, and paid-off balances,” the CFPB alleges. “Chase also sold debts that were owed by deceased borrowers.”

The New York Times reported another example of debt validation:

Billions of dollars in student loans may be wiped out for tens of thousands of borrowers in the US because a lender didn’t keep track of the paperwork verifying ownership of the loans, according to The New York Times.”

A recent Daily Finance report quoting a New York Times article states that:

“Financial companies like American Express, Citigroup, and Bank of America have committed fraud in financial dealings, are using erroneous paperwork, have incomplete records, and their legal processes are faulty; this includes information sent to debt collectors. Many debt collectors are using erroneous information to collect on debts, are acting as creditors when they are not, or are not in a position to legally collect the debt for lack of a state license, incomplete records, or other reasons.”

More Debt Validation Letters

We could show you example after example of how hundreds of debts have been invalidated over the last year alone. The following debts have become legally uncollectible. Legally uncollectible debts do not need to get paid and can no longer “legally” remain on credit reports.

This Citibank credit card was sold to Midland Funding and then disputed on a validation program, resulting in it becoming legally uncollectible and getting removed from all three credit bureaus.

Best Illinois debt relief, settlement and validation programs for 2019.

This next Bank of America, credit card debt, was over $10,000. The debt was disputed, and the consumer was able to walk away from it without paying legally.

Debt Validation Program - consumer walks away from over $10,000 in credit card debt

Next, a financial company debt that exceeded $12,000 gets proven to be invalid, and the consumer walks away without paying.

best debt relief, settlement and debt validation program

Just like a speeding ticket gets dismissed, credit card debt can get proven to be legally uncollectible.

Even though you may have been speeding, it does not mean that the police officer can prove the ticket to be valid.

A debt validation dispute is not saying that you never spent the money on your credit card. It’s disputing whether or not the collection agency is abiding by federal laws and attempting to collect on a debt lawfully.

See if you qualify for a debt validation program by calling (866) 376-9846 now!

Debt validation is not the only reason why we’ve had such great success. We make sure you get the right type of assistance to help you successfully achieve your financial goals. You can choose from debt relief, settlement, and consolidation programs. Debt validation just so happens to be one of the most popular plans on the market.


Examples of what a debt validation program requests:

    • a copy of the original contract
    • a statement showing how the interest gets calculated
    • the collection agency’s debt collector license that is legally required to collect on a debt
    • a 14-page debt collector disclosure statement, questioning the collection agency on information such as the when the statute of limitations expires on a particular account, how the outstanding balance was calculated, what fees were added in since the debt was sold, along with private details that the collection agency is legally required to know

In the debt validation program that we recommend at Golden Financial Services, there are over 30-pages of documents that get sent to your debt collectors. They must go through each page, line by line, and send in everything being requested laws require that. The case managers and debt defense team continue challenging a debt until the debt is “fully disputed” and remain with the consumer until the statute of limitations on a debt expires. Every legal debt relief angle is used to force your creditors to play by the rules.


Give our trained debt specialists a call to talk about your debt at 866-376-9846IT’S FREE!

Credit Restoration Included with a Debt Validation Program 

You get credit restoration included with the debt validation program for “No Extra Cost.” The credit restoration begins at the beginning of the debt validation program, where random credit mistakes appearing on your credit report get disputed.

Money-Back Guarantee With Debt Validation 

If a debt collection company validates a debt, clients get a full refund for any funds paid towards that account. Unlike individual unscrupulous debt settlement companies that charge up-front fees and don’t resolve your debt, this debt validation program comes with a 100% money-back guarantee.


Just cruise the internet and look at all of the positive client reviews listed on many different sites, including Yelp, Google, Facebook, and Trusted Company Reviews.


Here is a short video teaching you about the FDCPA, which is one of the laws used to challenge your debt in a debt validation program


Debt Validation Program Disclosures 

  • Consumers have to be delinquent on monthly payments before a debt validation program can do its job, resulting in late marks and collection accounts on credit over the first year of the program
  • Creditors can issue a credit card summons to go to court. In this case, clients get refunded any funds paid into the plan and would then get referred to an attorney to help settle the debt
  • Creditors don’t get paid on a monthly basis
  • Fees are included in all plans
  • Debt validation programs are not designed to repair a person’s credit and can’t guarantee a debt will get removed from credit reports. After a debt gets invalidated, credit restoration will dispute the accounts, and as a result, it could get removed from credit reports. Additionally, collection agencies can no longer legally continue reporting a debt on a person’s credit report after it’s invalidated
  • A person’s debt could increase after joining on a debt validation program due to late and collection costs incurring
  • Not all clients make it through a debt validation program successfully, due to many possible reasons including the possibility of the client not being able to afford all of the monthly payments
  • After a debt is fully disputed and invalidated, there is still a chance that it could get transferred/sold to a new collection agency or sent back to the original creditor where collection activity continues. For that reason, the validation company stays with clients until the statute of limitations on a debt has expired and will follow up with any new collection agency that takes over the debt
  • Not all consumers will qualify for a debt validation program due to the type of creditors that they owe, state they reside in and many other circumstances


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