A validation notice is a debt collector's required first letter — who says you owe, how much, and your rights. Under the FDCPA you generally have 30 days to dispute the debt and request validation; if you do, the collector must verify it before continuing.
GlassRead marks the loaded words on the letter itself — tap any for a plain-language card — and opens a calm panel beside it: your window, your options, the question you'd be afraid to ask.
Example letter — a standard FDCPA validation-notice layout with fictional details. Yours will look like this.
| Current creditor | Rivermark Recovery Associates, LLC |
| Original creditor | Lakeside Credit Union |
| Account reference | ····2218 |
| Amount owed as of June 8, 2026 | $842.60 |
Unless you, within 30 days after receiving this notice, dispute the validity of this debt or any portion of it, we will assume the debt is valid.
If you notify us in writing within that 30-day period that the debt, or any portion of it, is disputed, we will obtain verification of the debt and mail it to you. On your written request within the same period, we will provide the name and address of the original creditor if different from the current creditor.
If you do not dispute the debt within 30 days, collection may continue, which can include further letters and calls. We are not, at this stage, suing you or threatening to; this letter is a notice of the debt and your rights.
To dispute or to request validation, write to us at the address above and keep a copy. You may also request in writing that we stop contacting you. If you choose to pay, contact us using the details on this letter.
Paste yours and read it the same way — every loaded term explained in place, your 30-day window anchored, and the ways to respond laid out side by side.
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