Debt Validation Letter in Utah
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 Utah law says
| Time limit to sue on a written contract | 6 years for an action on a contract, obligation or liability founded on an instrument in writing. For a credit agreement, the 6 years run from the latest of when the debt arose, the debtor's last written acknowledgment or promise to pay, or the last payment by the debtor or a third party. Source: Utah Code 78B-2-309(1)(b), (2) |
|---|---|
| Can a payment restart the clock? | Yes. A suit to recover a debt may be brought within the limitations period counted from the date the debt arose, the date the debtor makes a written acknowledgment or promise to pay, or the date the debtor makes a payment. Source: Utah Code 78B-2-113(1) |
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 · Utah 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.