Debt Validation Letter in New Hampshire
Ask a debt collector to prove a debt. Under the federal Fair Debt Collection Practices Act (15 U.S.C. § 1692g), if you dispute in writing within the validation period, the collector must stop collecting until it sends verification. Send it by certified mail and keep a copy.
What New Hampshire law says
| State debt collection law | Yes. New Hampshire's unfair debt collection practices law applies to anyone who collects consumer debts, including original creditors collecting on consumer credit transactions, collection agencies and debt buyers. It prohibits listed abusive, deceptive and unfair practices. Definitions: https://gc.nh.gov/rsa/html/XXXI/358-C/358-C-1.htm Source: RSA 358-C:1-358-C:4 |
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| Time limit to sue on a written contract | 3 years for personal actions, including suits on written or oral contracts. Contracts under seal have 20 years. RSA 508:5: https://gc.nh.gov/rsa/html/LII/508/508-5.htm Source: RSA 508:4, I; RSA 508:5 |
Fill it in
Nothing you type leaves your browser. Replace anything still highlighted, and keep a signed copy.
[today's date]
To: [collection agency name], [collector address]
Re: Account number [account or reference number]
I am writing in response to your [letter or call] dated [date of contact]. I dispute this debt and request validation under 15 U.S.C. § 1692g.
Please send me the name of the original creditor, the amount you claim and how it was calculated, and documents showing that you own or are authorized to collect this debt.
Until you provide this verification, please stop collection activity on this account, and contact me only in writing at the address below.
[your name], [your mailing address]
Debt Validation Letter for other states · New Hampshire tenant rights
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.